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Minnesota Insurance
Discounts
Learn about the different ways
Farmers helps you save on great
Auto and Home coverage in the
Land of 10,000 Lakes.

See the insurance discounts
Farmers offers in Minnesota

Farmers Minnesota Auto and Home Insurance Discounts

Auto Insurance Discounts

  • Discounts for the Family:

    • Bundle Discounts - Combine multiple Farmers policies for total quality coverage and additional savings. Earn multi-policy discount when you bundle Farmers Auto coverage with any of the following policies:

                 - Home

                 - Renters

                 - Mobile Home / Specialty Dwelling

                 - Farmers Specialty (Motorcycle, boat, motor home, etc.)

                 - Life

    • Business and Professional Group - Employees, retirees, and members of certain businesses, occupations, or professional groups may be eligible for additional discounts. Contact us to see if you qualify.
    • Distant Student - A discount for policyholders with students on the policy who live away at school, at least 100 miles from the home, and don’t have regular access to the covered vehicle.
    • Multi-Car - Get this discount when you cover more than one car under the same Farmers Insurance policy.
    • Teen Driver - If you’ve had a Farmers Auto policy for 2 years or more, and want to add a single licensed child or grandchild (under 19) to your policy, we can lower your rates.
  • Planning Ahead Discounts:

    • Alternative Fuel - Farmers offers discounts for driving alternative fuel, hybrid, and electric cars! So save at the pump and on your auto insurance when you go green.
    • Early Shopping - Get a premium discount when you switch to Farmers and purchase your new auto policy at least 7 days before your current one expires.
    • Electronic Funds Transfer (EFT) - Select Automatic Electronic Fund Transfers as your preferred payment method and you’ll never miss a payment again! Plus we’ll discount your rate.
    • Pay In Full - If you choose to pay your entire premium in one installment this term, we can discount your entire premium.
    • Transfer - If you switch your auto insurance from certain standard carriers to Farmers with no lapse in coverage, we reward you with a rate discount.
  • Classroom Discounts:

    • Good Student - Students under 25 get a discount on their auto insurance when they get good grades in school. This discount applies to students that meet one of the following criteria:

                 - 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 - Drivers 55 and older can successfully complete a state-recognized defensive driving course to receive this discount on their auto insurance. The discount is valid for 3 years after finishing the course.

Home Insurance Discounts

Learn about all of the ways Farmers helps you insure your home, your household, and your lifestyle, while saving you money along the way.

  • Discounts for the Household

    • Affinity - Earn this discount if you’re the employee, retiree, or member of an approved occupational group, business, or professional group in Minnesota. Contact Us to see if you qualify.
    • Bundle Discounts - Carry multiple Farmers policies and save across the board. Cover your Home, along with your Auto insurance and/or Life insurance to qualify for multi-policy bundle discounts.
  • Home Upkeep Discounts

    • Home Renovation - Discounts are available for homeowners who’ve recently renovated their heating and electrical or plumbing systems.
    • New Home - If your home was built within the past 13 years, you’re eligible for this added discount.
    • New Roof - Roofs that have been built or replaced in the past 6 years qualify for this discount.
    • UL Approved Roofing Materials - Roofs made of impact resistant materials, approved and tested by Underwriters Laboratories, like asphalt shingles or asphalt fiberglass may qualify for this discount.
  • Home Safety Discounts

    • Home Safety - Earn this discount if your home has been:

                 - Fortified with added protection to windows, doors, and improved connections between the roof, walls,  

                 - Equipped with Whole House Water Leak Detection to shut off the main water service when a leak is found

                 - ENERGY STAR or EPA Certified for energy efficiency

                 - LEED Certified for high-performance green homes

                 - Equipped with an Automatic Gas Shutoff Valve

    • Protective Devices - Burglar alarms, central fire alarms, and fire protection sprinklers help to protect your home from serious risk, so Farmers rewards you with a premium discount for having them.

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.