Kansas Insurance Discounts

Auto Insurance Discounts

Discounts for the Family

Multi-line Discounts – Save big when you combine multiple Farmers policies. Carry Farmers Auto along with any of the following policies to qualify for multi-policy discounts:
  • Home
  • Condo
  • Renters
  • Mobile Home / Specialty 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 – If you’re a member or employee of an approved business or professional group in Kansas, you may be eligible for an additional discount. 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 – Discount applies if you cover more than one vehicle with the same Farmers policy.

Teen Driver – Discounts applies if you cover more than one vehicle with same Farmers policy by their parents or grandparents.

Youthful Driver – Earn this extra discount if you have young drivers, 25 and younger, in your household.

Planning Ahead Discounts

Alternative Fuel – Kansas is a hub for new, green technologies. So if your drive a hybrid, electric car, or other alternative fuel vehicle, you’re doing plenty for the economy and environment. Plus, you also get to save on your auto insurance!

Electronic Funds Transfer (EFT) – Choose Automatic Electronic Payments for your policy and not only will you never miss a payment, but Farmers will reduce your rate.

Homeowner – If your own your home in Kansas, we can discount your policy.

Pay In Full – Pay your entire term premium in one lump sum, and we’ll reduce your premium rate.

Transfer – Purchase a policy from Farmers Insurance after transferring from another approved carrier, and we may be able to discount your rates.

Classroom Discounts

Defensive Driver – If you completed a certified Defensive Driver course sometime in the past 3 years, you may qualify for this discount.

Good Student – Students in Kansas under 25 years old can earn an auto insurance discount just by keeping their grades up. This discount applies to students that can meet one of these academic criteria:

  • High school students with at least “B” average
  • 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.

Discounts for the Household


Affinity – If you’re a member, employee, or retiree from an approved Kansas business or professional group, you may be eligible for an additional discount.

Multi-line Discounts – Combine multiple Farmers policies and save big! Carry an auto and/or life insurance policy, along with your home insurance, and you could qualify for multi-policy discounts.

Home Upkeep Discounts

Home Renovation – Have you recently renovated your home’s electrical and heating or plumbing systems? Well then, you may qualify for a premium discount.

New Home – If your home was built within the past 12 years, you may qualify for an additional discount.

U L Approved Roofing Materials– If your roofing materials have been tested for impact-resistance by Underwriters Laboratories, you may eligible for this discount.

Home Safety Discounts

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Home Safety – Farmers wants your home to be as safe as possible. So we apply this discount if your home is:
  • Fortified with added protection to windows, doors, and improved connections between the roof, walls, and foundation to guard against natural disasters and extreme weather
  • Equipped with Whole House Water Leak Detection to shut off the main water service when a leak is found
  • ENERGY STAR or EPA Certified for energy efficiency
  • LEED Certified for high-performance green homes
  • Equipped with an Automatic Gas Shutoff Valve

Protected Devices – Qualify for this discount if you’ve a burglar alarm, fire alarm, and fire-protective sprinkler system in your home.

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.

Do you qualify for a multi-policy discount?

Find value and convenience with multiple insurance policies from Farmers®.

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 farmers.com for a complete listing of entities. Not all insurers are authorized to provide insurance in all states. Coverage not available in all states.