What Discounts Does Farmers Offer?

Yes, Farmers insurance rates are competitive for some drivers, including military personnel. Farmers car insurance costs an average of $1,044 per year, or $87 per month.

Farmers' car insurance rates are based on your driving record and experience, along with factors like the type of car you drive, your ZIP code, your insurance history, and more. Your coverage and deductible choices also impact your final quote, as do your eligibility for discounts.

Sample Farmers Car Insurance Rates

Note: These rates are approximations based on sample quotes from Farmers. Actual rates will vary.

To learn more about how we obtained these sample quotes, check out the methodology section of our complete Farmers car insurance review. 

Farmers is cheap for families who have teen drivers, and even offers discounts specifically for those drivers, like the Farmers shared family car discount. This discount is for households that have more drivers than vehicles and a driver under the age of 21 in the home. Farmers is not one of the cheapest car insurance companies overall, though, and high-risk drivers, or drivers who need to have an SR-22 on file, may find cheaper rates elsewhere.

Average Rates for Farmers Car Insurance vs. Top Competitors

Note: Premiums are representative of a family with a teen driver in CA; individual premiums will vary.

Farmers may not be one of the cheapest car insurance companies for most drivers, but it does offer a variety of discounts, like discounts for taking a driver training course or for going paper-less with your policy. Plus, Farmers rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto. 

Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so the best way to find a good deal is to compare quotes from multiple insurers and take advantage of every discount.

To learn more, check out WalletHub's review of Farmers and see Farmers' full profile.

Farmers does not advertise a marriage discount, though married drivers do pay less for Farmers car insurance than single drivers, on average. For example, a 45-year-old married driver with a good record on the road pays an average of 3% less for Farmers coverage than the same driver without a husband or wife. Married people also typically qualify for more Farmers discounts, like the multi-vehicle and multi-policy discounts.

Married couples tend to be more careful on the road and get into fewer accidents, which translates into lower Farmers rates. But there are some exceptions, and sometimes a shared policy can be more expensive. If your spouse has a poor driving record or is considered a high-risk driver for another reason, you could pay more for your Farmers policy.

To get a Farmers quote, you can go online or call 1-888-327-6335.

You can get the Farmers safe driver discount by staying accident and violation-free for at least three years. Farmers does not specify an exact safe driver discount amount, as it varies between states.

If you don't qualify for the Farmers safe driver discount, there are still ways for you to save on your premium. For example, Farmers offers a multi-car discount for drivers who insure more than one vehicle in their household.

To learn more, check out WalletHub's guide to Farmers discounts.

Farmers offers a good driver discount, but the amount varies by state. In order to receive a Farmers good driver discount, drivers must be accident and violation-free for at least three years, and this can even include time that you've been insured by another company.

After get into an accident or get a ticket, you will have to wait three years in order to qualify for the discount again. Additionally, accidents that are forgiven by Farmers accident forgiveness still count against your good driver discount, even though your base premium will not go up.

If you don't qualify for Farmers's good driver discount, there are still ways to save on your premium. For example, Farmers offers a multi-vehicle discount for drivers who want to insure more than one vehicle on their policy. You can also lower your rate by altering your coverage or increasing your deductible.

To learn more, check out WalletHub's guide to Farmers discounts.

Yes, Farmers offers a defensive driving course discount for drivers aged 55 and older who have successfully completed an approved driver's education course. By voluntarily taking an approved defensive driving course, Farmers car insurance customers in eligible states can get a discount of up to 15% for three years. Once the discount expires, drivers can renew it by taking another course.

Defensive driving courses improve your driving skills by teaching you how to handle difficult situations on the road. For example, common traffic school topics include DUI/DWI laws, the consequences of different moving violations, and how to share the road. Specific details vary between states and classes, but online defensive driving courses typically cost up to $40 and take 4-12 hours to complete.

To learn more, check out WalletHub's guide to Farmers discounts.

Yes, Farmers has a multi-car discount. To qualify for the Farmers multi-car discount, a customer must insure more than one vehicle on the same Farmers auto insurance policy. The discount automatically applies to a qualifying Farmers policy, but it does not compound, meaning you won't get a bigger discount for insuring more vehicles.

In addition to Farmers' multi-car discount, the company offers other ways for customers to save money on their premiums, such as the multiline discount, safe driver discount, and passive restraint discount, among others. For more information, check out the complete list of Farmers discounts. And if you're unsure whether a discount that you qualify for is being applied to your policy, you can contact Farmers by calling 1 (888) 327-6335.

Yes, Farmers has a teacher discount, though the company does not disclose the exact amount. The Farmers teacher discount is part of the company's overall affinity discount, which offers savings to members of certain organizations as well as to people with an eligible occupation, including teachers.

For more information about saving on your Farmers car insurance premium, check out WalletHub's complete guide to Farmers discounts.

No, Farmers does not offer a new car discount, unlike three of the 10 largest car insurance companies. But policyholders can still find other ways to lower their Farmers premium, such as by taking advantage of their antilock brakes discount, anti-theft discount, or passive restraint discount.

For more information about saving on your insurance, check out WalletHub's complete guide to Farmers discounts.

Farmers is so expensive because of agent commissions and rising costs overall for insurance companies. At $1,044 per year per year, the average Farmers car insurance policy is a lot more expensive than the national average of $671 per yearfor a policy with minimum coverage.

Farmers insurance is even more expensive for drivers with certain characteristics, including young drivers and drivers who have recently caused an accident. For example, teenagers pay an average of $2,588 per year for Farmers insurance, compared to $1,044 per year for older drivers. Additionally, drivers who have recently had an at-fault accident pay an average of $1,431 per year for Farmers coverage, which is 37% more than drivers with a clean record.

Factors That Can Make Farmers Insurance More Expensive

• Commissions for agents
• Rising costs overall for insurance companies
• Being a young or inexperienced driver
• Purchasing a full coverage policy versus minimum coverage
• Causing an accident or being convicted of a moving violation
• Living in a high-risk ZIP code
• Driving an expensive vehicle
• Having a poor credit-based insurance score

If you're struggling to afford your Farmers policy, there are ways for you to lower your rate. For example, you can take advantage of Farmers discounts or reduce your coverage. In some cases, it might be better to switch insurers altogether. It's usually a good idea to compare quotes from at least three different insurers to see if you can find a better deal elsewhere. Each insurer uses its own algorithm to calculate premiums, so even if Farmers is charging you a high premium, you may be able to find a cheaper policy with another insurer.

To learn more, check out WalletHub's Farmers insurance review.