Florida Insurance Discounts

Auto Insurance Discounts

Virtually every highway in Florida leads to a scenic destination, and Farmers customers can get where they're going with smart Auto coverage at smarter prices.

Discounts for the Family


Multi-line Discounts – Combine your Farmers Auto policy with any of the following Farmers policies to cover your important investments, and you may save with multi-policy discounts:

  • Home
  • Renters
  • Umbrella
  • Mobile Home / Specialty Dwelling
  • Farmers Specialty (Motorcycle, boat, motor home, etc.)

Signal® by Farmers - Sign up, download and use the Signal app and you’ll receive a 5% discount on your auto policy.

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 car under the same Farmers Auto policy and save.

Youthful Driver - Reduce your premium rate when you add your child or grandchild (24 or younger) to your policy. To qualify, they must have a valid driver's license and your policy must be in force for at least 1 year.

Planning Ahead Discounts


Alternative Fuel - Save on your Auto insurance, and on your gas budget when you drive a hybrid, electric, or other alternative fuel car.

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

Homeowner - As the name implies, if you own your home, you may be eligible for this additional discount.

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

Classroom Discounts

Good Student – Students under 25 can lower their auto insurance rates when they do well in school. The Good Student 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.

Mature Driver - Senior Floridians, 55 and older, can complete a state-approved Mature Driver Course for a discount on their auto insurance. If you've taken this course in the past 3 years, please let us know.

Home Insurance Discounts

Discounts for the Household


Multi-line Discounts - Adding a Farmers Home, Auto, Specialty and/or Life policy helps protect your investments, and may mean savings on your insurance premium.

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


New Home - Moving into a new home is truly a great feeling. Saving cash on top of that isn’t too bad either.

New Roof - Here's another insurance discount that keeps giving, for as long as 6 years after a roof replacement.

Home Safety Discounts


Protective Devices - Safety investments don’t get more basic than a fire alarm, security system, and/or internal sprinkler system. And at Farmers, we reward safe investments with discounts.

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%.

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.