Oklahoma Insurance Discounts

Auto Insurance Discounts

In Oklahoma, Farmers smart discounts shrink your rates without shortening your coverage. Learn about the different ways Farmers helps you save on great Auto insurance in Oklahoma.

Discounts for the Family


Multi-line Discounts – Combine your Auto insurance with other Farmers products and save with our multi-policy discounts. Cover your important investments with Farmers Auto insurance and any of the following quality Farmers products, and you may qualify:

  • 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’re employed by, or retired from a company that’s in a Farmers approved occupational group, you may be eligible for additional discounts. 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 – Protect more than one car under the same Farmers Auto policy and earn this discount.

Youthful Driver – Drivers who’ve had a valid Farmers Auto policy in force for at least 1 year can add a child or grandchild (24 or younger) to their policy and save with this discount.

Planning Ahead Discounts


Electronic Funds Transfer (EFT) – Select E F T as your premium payment method, and we’ll lower your rates.

Homeowner – If you own your home, you may be eligible for this additional rate discount.

Pay In Full  Lower your rates when you decide to pay your full-term premium with one lump sum.

Classroom Discounts


Defensive Driver – If you’ve completed a state-approved Defensive Driver program in the past 3 years, you’re eligible for an additional rate discount.

Good Student – Students under 25 can lower their auto insurance rates with this discount, just by getting good grades! This applies to any of the following:

  • 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.

Home Insurance Discounts

Farmers is all about rewarding safe, smart habits with great savings! That’s why we offer a laundry list of Homeowners Insurance discounts all over the Sooner State:

Discounts for the Household


Affinity - Farmers is always sharing its time and resources in positive alliances with neighborhoods across America. To find out if Farmers has allied with your group and profession, just reach your local agent. You might already be a member of the Farmers family without even realizing it.

Multi-line Discounts - Getting multiple Farmers policies (i.e. Home, Auto and/or Life) may mean grouping multiple discounts for one reduction to your entire rate.

Non-Smoker  - Every year, more and more fire and smoke damage cases are caused by lit cigarettes in the home. Farmers wants you to stay safe, so we offer a discount if everyone in your household has stayed smoke-free for two years.

Home Upkeep Discounts


Home Renovation - Recent renovations on your home’s heating and electrical, or plumbing systems can earn you discounts.

New Roof - If your roof was built or re-built recently, you could get the discount that keeps giving, for up to 6 years.

U L Approved Roofing Materials - Earn a discount for long-lasting, Underwriters-Laboratories-approved asphalt or fiberglass shingles, a great investment that will also save on future roof maintenance.

Home Safety Discounts

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Home Safety - Risk management reaps its own rewards. But another Farmers discount doesn’t hurt either. Here’s a list of qualifying discounted features: reinforced windows and walls, water leak or gas valve shut offs, or ENERGY STAR, EPA, or LEED certification. 

Protective Devices - Smart safety doesn’t get much simpler than a fire alarm, security system, and/or internal sprinkler system. Get a Home insurance discount if your home is equipped with any of these approved features.

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 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.