Idaho Insurance Discounts


Auto Insurance Discounts

Discounts for the Family

Multi-line Discounts – Qualify for Farmers multi-policy discounts when you cover your car, along with any of the following policies:
  • Home
  • Condo
  • Renters
  • Mobile Home / Speciality Dwelling
  • Farmers Specialty (Motorcycle, boat, motor home, etc.)
  • Life

Signal® by Farmers - Sign up, download and use the Signal app and you’ll receive a 5% discount on your auto policy, with an opportunity to earn up to 15% each time you renew your policy. You can save an additional 10% if you have a young driver in your household. Learn more about Signal® by Farmers

Business and Professional Group - Discounts are available for members of certain professional groups or employees of certain businesses. Contact us to see if you qualify.

Distant Student – If your child goes away for school more than 100 miles from your home, does not have regular access to your covered car, and meets age limits, you may be eligible for this discount. Check with your local Farmers agent for details.

Multi-Car – Save on your Auto insurance when you cover more than one vehicle under the same Farmers auto policy.

Youthful Driver – If you have young drivers, under 25, on your policy, you could save with this discount.

Planning Ahead Discounts

Alternative Fuel – Farmers may discount your policy if you cover a hybrid, electric, ethanol, methanol, or compressed natural gas powered vehicle.

Electronic Funds Transfer (E F T) – Enroll in our Automatic Electronic Payments plan, and not only will you never miss a payment again, but we’ll discount your rate as well.

Homeowner – If you own your home in Idaho, you’re eligible for a discounted rate on your Auto insurance.

Pay In Full  Farmers will discount your rate if you choose to pay your entire term premium in one lump sum.

Transfer – Switch over to Farmers Insurance from another carrier, and as long as there’s been no lapse in coverage, you should receive a rate discount.

Classroom Discounts

Good Student –Statistically, better students make safer drivers. So Farmers gives young drivers in Idaho, under 25, an Auto insurance discount for keeping up a "B" average or better. This discount also applies to students that meet on of the following academic criteria:

  • College students with a 3.0 (out of 4.0) grade point average or higher
  • Dean’s List or Honor Roll students
  • Students ranked in the top 20% of their class or in the top 20% in national standardized tests

Be ready to submit proof of eligibility (a copy of a report card, grade-point average, etc.) when requesting this discount.

Mature Driver - Senior Idaho residents, 55 and older, can qualify for an additional rate discount when they complete a state-recognized driving course. This discount is valid for 3 years, and applies to your bodily injury, property damage, medical payments, and collision coverage.

Defensive Driving Discounts

Anti-Theft – Car alarms and other vehicle recovery devices are great options for protecting your car. They also help you qualify for another rate discount.

Home Insurance Discounts

Discounts for the Household

Affinity – Employees or retirees of certain businesses or members of professional groups may be eligible for additional discounts. Contact Us to find out if you qualify.

Multi-line Discounts – Combine your Farmers Home insurance policy with a Farmers Auto and/or Life insurance policy, to earn more discounts.

Non-Smoker – Qualify for an additional premium discount if no one in your household has smoked in the past 2 years.

Home Upkeep Discounts

Home Renovation - Newer electrical and heating or plumbing systems make for safer homes. So if you’ve recently renovated, you may be eligible for an additional premium discount.

New Home - Discounts are available for homes built within the past 12 years.

UL Approved Roofing Materials - Roofs made of impact resistant materials, approved and tested by Underwriters Laboratories, like asphalt shingles or asphalt fiberglass may qualify for this discount.

Home Safety Discounts

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Home Safety -If you take loss-prevention measures, or make your home more environmentally friendly, Farmers will discount your premium! Qualifying measures include

  • Fortified homes with added protection to windows, doors, and improved connections between the roof, walls, and foundation to guard against natural disasters and extreme weather
  • ENERGY STAR or EPA Certified for energy efficiency
  • LEED Certified for high-performance green homes
  • Home equipped with Whole House Water Leak Detection to shut off the main water service when a leak is found
  • Home equipped with an Automatic Gas Shutoff Valve

Protective Devices - Install a qualified burglar alarm, fire alarm, or a fire protection sprinkler system to protect your home from damages, and we’ll lower your insurance premium.

Connected Home - also known as a smart home – may earn you a discount on your Farmers Insurance® Home policy.   Having a Connected Home is a smart way of using technologies to help you monitor your home 24/7 – both when you're home and when you're away.

Rent To Own Discount


Are you a renter planning the purchase of your first home? Be sure to ask your agent about our Rent to Own discount. It’s available if you have an existing Farmers® renters policy and stay with us when choosing new home coverage.

Adding products could help you save

When you purchase more than one insurance policy from Farmers®, you may qualify for discounts. Find out if adding new coverage will help you save.

You may be eligible for one or more of these discounts, subject to documentation. Discounts apply to selected coverages, perils and policy types. Eligibility and actual percentage of discounts may vary. Not all products and discounts are available in every state.  Please contact a Farmers agent for details.

*Once you enroll in Signal® by Farmers® and complete 10 qualifying trips using the app, you will receive an initial 5% discount on your Farmers Insurance® auto policy. Only one discount can be applied per policy, regardless of the number of enrolled drivers who complete 10 trips.  At renewal, the Signal discount may increase or decrease based on the percentage of enrolled drivers on your auto policy using the app and their driving scores. Your renewal discount could range between 0.5% and 15%, except in Colorado where your renewal discount can range from 0.5% to 20% and in Florida where your renewal discount will be 5%.

**The youthful driver component of the Signal discount is not available in Florida and Georgia.

Restrictions apply. Discounts may vary. Not available in all states. See your agent for details. Insurance is underwritten by Farmers Insurance Exchange and other affiliated Insurance entities. Visit for a complete listing of entities. Not all insurers are authorized to provide insurance in all states. Coverage not available in all states.