Illinois Insurance Discounts

Auto Insurance Discounts

Learn all about the different ways Farmers helps Illinoisans save on great auto coverage.

Discounts for the Family


Multi-line Discounts – Save money, time, and stress when you protect all of your important investments with Farmers insurance. Carry any one of the following Farmers policies, on top of your auto coverage, and save with multi-policy discounts:

  • 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 - Members of certain professional groups, and employees or retirees of businesses may be eligible for additional rate discounts. Contact us to see if you qualify.

Distant Student – A discount for policyholders who cover a student who attends school at least 100 miles away from the home, and who doesn’t have regular access to the covered vehicle.

Multi-Car – Insure more than one vehicle under the same Farmers Auto policy and save.

Planning Ahead Discounts


Electronic Funds Transfer (EFT) – Make life easier and save money when you enroll in Farmers Automatic Electronic Payments plan.

Homeowner – If you own your home in Illinois, we can reduce your Auto insurance premium.

Pay In Full  Lower your premium when you choose to pay for your full term in one lump sum.

Classroom Discounts


Good Student –All Illinois licensed drivers under 25 are eligible for an insurance rate discount if they maintain a “B” average or better in school! This discount also applies to students that meet one of the following academic criteria:

  • 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 - Illinois drivers over 55 can pocket savings on their Auto insurance rates after completing a course in state-approved driver training.

Defensive Driving Discounts

Distracted Driving

Anti-Theft – If your vehicle features anti-theft devices like factory-installed alarm systems or Vehicle Identification Number (VIN) etching in the glass, you qualify for a discount on your Auto insurance.

Home Insurance Discounts

Whether it’s in the city or in the small town prairies, protect your home in Illinois with smart coverage at smarter prices.

Discounts for the Household

Affinity – If you’re an employee, retiree, or member of a certain professional group or business, you may be entitled to an additional premium discount. Contact us to find out if you qualify.

Multi-line Discounts –  Carry more than one Farmers insurance policy, and you’ll earn deep multi-policy discounts. Combine your Farmers Home insurance with a Farmers Auto and/or Life policy and you’ll save.

Home Upkeep Discounts

Home Renovation – Earn an additional discount and keep your home running like new when you renovate your heating and electrical or plumbing systems and keep them up-to-date.

New Home – Discounts are available for homes built within the past 12 years.

UL Approved Roofing Materials – If your roofing materials have been tested and approved by Underwriters Laboratories and use impact-resistant materials like asphalt or fiberglass shingles, you may qualify for this premium discount.

Home Safety Discounts

secure home icon

Home Safety  Protect your home with loss-prevention measures and not only will you lower the risk of damages, but Farmers will discount your premium. Approved measures include:

  • Fortified window, wall, and roof protection
  • Whole House Water Leak Detection
  • ENERGY STAR or EPA energy efficiency certification
  • LEED green-home certification
  • Automatic Gas Shutoff Valve

Protective Devices   Protect your home and your family from break-ins and fires with a burglar alarm, fire alarm, and a fire-protective sprinkler system, and you may qualify for this additional discount.

Rent To Own Discount


Are you a renter planning the purchase of your first home? Be sure to ask your agent about our Rent to Own discount. It’s available if you have an existing Farmers® renters policy and stay with us when choosing new home coverage.

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.