Missouri Insurance Discounts

Auto Insurance Discounts

Discounts for the Family

Multi-line Discounts – Earn multi-policy discount when you cover your most precious investments with quality Farmers products! Cover your vehicles with a Farmers Auto policy, along with any of the following policies, and save:
  • Home
  • Condo
  • Renters
  • Life
  • 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 - As the employee or retiree from an approved occupation group, you may be eligible for an additional rate discount. Contact us to see if you qualify.

Youthful Driver – Add a child or grandchild to your policy, 24 and younger, and you may be eligible for this rate discount.

Distant Student – A discount for policyholders with children who go to school at least 100 miles away from their home, and who don’t regularly use the covered car.

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

Planning Ahead Discounts

Electronic Funds Transfer (EFT) – Pay your premium bills with Automated Electronic Funds Transfers and we’ll reduce your rate.

Homeowner – Get a better auto insurance rate if you own your home.

Pay In Full – Choose to pay your full term premium in one lump sum payment, and we’ll reduce your rates. Plus, you won’t have to worry about making or missing another payment.

Transfer – Switch to Farmers from another insurance provider, without a lapse in coverage, to earn this rate discount.

Classroom Discounts

Good Student – Missouri students who do well in school can help their folks by saving money on their auto insurance. This good student discount applies to students who meet one of the following criteria:
  • High school students with at least a “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 on recognized standardized tests

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

Homeowner Insurance Discounts

Discounts for the Household


Affinity – If you’re an employee or retiree from an eligible occupational group, you may qualify for an additional premium discount.

Multi-line Discounts – Carry multiple Farmers policies and save across the board. Cover your Home, along with your Auto insurance and/or Life insurance to qualify for multi-policy discounts.

Home Upkeep Discounts

Home Renovation – Discounts are available to homeowners who have recently renovated their heating and electrical or plumbing systems.

New Home –Homes that were built within the past 13 years are eligible for this discount.

U L Approved Roofing Materials –Roofs made of impact resistant materials, and approved and tested by Underwriters Laboratories, qualify for this discount.

Home Safety Discounts

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Home Safety – Farmers wants you to be as safe as possible. We apply this discount if your home is:
  • Fortified with added protection to the 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
  • Equipped with Whole House Water Leak Detection to shut off the main water service when a leak is found
  • Equipped with an Automatic Gas Shutoff Valve

Protected Devices – Home protection systems like burglar alarms, central fire alarms, and fire protection sprinkler systems keep your home safe from invasion and damage. If they’re installed in your home, you may qualify for premium discounts.

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.