North Dakota Insurance Discounts

Auto Insurance Discounts

Learn about the different ways Farmers helps you save on great Auto insurance in North Dakota:

Discounts for the Family

Good Student – Purchase an Auto insurance policy from Farmers and protect your other investments with any of the following policies, and you may earn a multi-policy discount:
  • 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 - If you work for, or are retired from, a job with an approved occupation group, you may be eligible for an additional rate discount. Contact us to see if you qualify.

Distant Student – Discount your child’s auto insurance rates if they go to school at least 100 miles away from home and don’t have regular access to the covered car.

Multi-Car – Cover more than one car under the same Farmers Auto policy and save.

Teen Driver – Add your teenage child or grandchild to your policy, and as long as you’ve had coverage with Farmers for at least 2 years, we’ll discount your premium.

Planning Ahead Discounts

Alternative Fuel – If you drive a hybrid, electric, or even natural gas fueled car, you’re probably saving plenty at the pump. But Farmers wants to save you more by discounting your Auto insurance rate.

Electronic Funds Transfer (E F T) – Choose to pay your bill using our Electronic Funds Transfer (E F T) payment, and we’ll reduce your rates.

Transfer – Switch to Farmers Auto insurance and save with this discount.

Pay In Full  Get a better rate if you choose to pay your entire term premium in one lump sum.

Homeowner – North Dakota policyholders are eligible for an additional discount if they own their home.

Classroom Discounts

Good Student  Attention parents, your kids can get better auto insurance rates just by doing well in school! If they meet any of the following requirements, they’ll earn a Good Student Discount:
  • 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.

Mature Driver – Senior drivers in North Dakota, 55 and older, can earn an additional rate discount for completing a state-approved Safe Driver Program. If you’ve finished this program in the past 3 years, please let us know!

Home Insurance Discounts

Get rewarded for the safe and smart homeowner habits you’re already doing, and see how else Farmers can save you money on your insurance:

Discounts for the Household


Affinity – Farmers is always investing in positive relationships with local communities. To see if Farmers is involved with your group and profession, just ask a Farmers agent.

Multi-line Discounts – Combining Farmers Home, Auto and/or Life means more discounts and lower total insurance costs for you.

Home Upkeep Discounts

Home Renovation –  Save on your insurance if there have been any recent renovations of your home’s heating and electrical, or plumbing systems.

New Home –  Having a new home is an amazing feeling. Saving money on top of that feeling is even better.

U L Approved Roofing Materials –  Since some types of roofs last longer, Farmers rewards homes with tested, impact-resistant asphalt or fiberglass shingles approved by Underwriters Laboratories.

Home Safety Discounts

secure home icon
Home Safety - Your home may be especially suited to avoid losses and give back to the environment. Take a look at this list of qualifying discounted features: reinforced windows and walls, water leak or gas valve shut offs, or LEED, ENERGY STAR, or EPA certification.

Protective Devices - Keeping a fire alarm, security system, and/or internal sprinkler system won’t just help protect what means the most to you. It can also help Farmers discount what means a lot to us, 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.

Simplify and save

Find out about multi-line insurance discounts when you buy an auto policy with a home policy.

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.