Utah Insurance Discounts

Auto Insurance Discounts

From Salt Lake City to St. George and everywhere in between, Farmers smart Auto discounts protect Utah drivers for less. Learn about the different ways Farmers helps you save on great auto insurance in Utah.

Discounts for the Family

Multi-line Discounts - Cover your important investments and you may save at the same time when you combine your Farmers Auto policy with any of the following Farmers policies:
  • 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 - Employees or retirees from approved occupation groups may be eligible for additional rate 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 - Cover more than one vehicle on your Farmers Auto policy to earn this rate discount.

Youthful Driver - Earn this discount when you add your child or grandchild (under 25) to your policy.

Planning Ahead Discounts


Electronic Funds Transfer (EFT) - Pay your premium with Farmers automatic E F T, and receive this additional discount.

Homeowner - Own your home in Utah and earn this additional rate discount.

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

Classroom Discounts

Good Student - Earn this extra rate discount when you do well in school. Qualify for this discount if any of the following apply:

  • High school student with at least a "B" average
  • College student with a 3.0 (out of 4.0) grade point average or higher
  • Dean's List or Honor Roll student
  • Student 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 - Drivers 55 and older in Utah can lower their insurance rates even further when they take and complete a state-approved Safe Driver Program. This discount lasts 3 years after completing the course, so if you’ve done so recently, please let us know!

Home Insurance Discounts


All across the Beehive State, Farmers smart discounts protect Utah homes for less. See how Farmers makes you smarter to lower your home insurance costs in Utah.

Discounts for the Household

Affinity - What if just being yourself could save you money for the rest of your life? The Affinity discount is renewable and for retirees or members of certain professional groups. Talk to a Farmers agent to learn more.

Multi-line Discounts - Thinking about adding a Farmers Home, Auto and/or Life policy? Combining policies may earn you savings with a discount for your premium!

Home Upkeep Discounts

Home Renovation - Get a renewable and reoccurring discount on your insurance if you’ve made any new upgrades on your home’s heating and electrical, or plumbing systems.

New Home - Having a new home means more savings with this Farmers reward. And the discount could repeat for several years!

U L Approved Roofing Materials - Asphalt and fiberglass shingles approved by Underwriters Laboratories are more resilient against weather, keeping repair costs at bay. Another smart choice for one more Farmers discount.

Home Safety Discounts

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Home Safety - Qualifications include safety and energy-efficient features like: fortified windows and walls, automatic water leek or gas valve shut offs, or ENERGY STAR, LEED, or EPA certifications.

Protective Devices - Do you have a fire alarm, security system, and/or internal sprinkler system? Take it from us, or from an additional discount, smart doesn’t have to be complicated.

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.