South Dakota Insurance Discounts

Auto Insurance Discounts

Discounts for the Family


Multi-line Discounts – You may earn multi-policy discounts when you combine your Farmers Auto policy with any of the following Farmers products:

  • 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 currently employed with or retired from an approved business or occupation group, you may be eligible for an additional rate discount. Contact us to see if you qualify.

Distant Student – If your child goes away for school at least 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 – Cover more than one car under the same Farmers Auto policy and earn this discount.

Teen Driver – Your teen driver (19 and under) saves on his/her Auto insurance when you add them to your policy, as long as it’s been in effect for at least 2 years.

Planning Ahead Discounts


Alternative Fuel –Save money at the pump, and on your auto insurance when you drive a hybrid, electric, or other alternative fuel car in South Dakota

Electronic Funds Transfer (EFT) – Select E F T as your payment method, and we could reduce your premium rate.

Pay In Full – Pay 100% of your term premium in one lump sum, and Farmers may lower your rates.

Transfer – Switch to Farmers Insurance from another approved provider, and you’ll save.

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

Classroom Discounts


Good Student –In South Dakota, students 25 and under can lower their auto insurance rates just by getting good grades. This discount 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

Learn more about Farmers South Dakota Homeowners insurance discounts to see if you qualify for additional savings.

Discounts for the Household


Affinity - Farmers is well-known for teaming up with local businesses to help communities across America. To show continuing support for growing communities, we offer discounts to members across occupational groups that include retirees. Chat with a Farmers agent today to see if you qualify.

Multi-line Discounts - On the fence about adding a Farmers Home, Auto and/or Life policy? When you combine policies you may save more!

Home Upkeep Discounts


Home Renovation - Do you have any new renovations on your home’s heating and electrical, or plumbing systems? You might qualify for a discount on your Homeowners insurance.

New Home - Having a new home is a great feeling. And what could make it better? A Farmers discount!

U L Approved Roofing Materials - Asphalt and fiberglass shingles approved by Underwriters Laboratories are extra durable when it comes to harsh weather, helping your keep future repair costs down. One more smart choice is one more smart discount brought to you by Farmers.

Home Safety Discounts

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Home Safety -Get a discount for qualifying safety and environmental features, including: fortified windows and walls, automatic water leek or gas valve shut offs, or ENERGY STAR, EPA, or LEED certification.

Protective Devices - Here’s an easy discount: does your home have a fire alarm, security system, and/or internal sprinkler system?

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.