Kentucky Insurance Discounts

Learn about available discounts on auto and home insurance and discover the different ways you can save in the Bluegrass State.

Auto Insurance Discounts

Whether the drivers in your household are experienced or new to the open roads, there are many opportunities to save on Auto Insurance.

Family Discounts

Multi-line Discounts – Get multiple Farmers® policies  so you can help protect your important assets while also saving money! Purchase Farmers Auto insurance and any of the following policies to qualify for multi-policy discounts:
  • Home
  • Condo
  • Renters

Signal® by Farmers® - Sign up, download, register and use the Signal app and you’ll receive a 5% initial discount on your auto policy, with an opportunity to earn up to 15% each time you renew your policy. You can save up to an additional 10% if you have a youngful driver in your household.  Learn more about Signal by Farmers.

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

Planning Ahead Discounts


Early shopping - Get a quote and switch to Farmers at least seven days before the policy starts and your old policy expires to receive a discount. 

Paid-in-Full Discount - Pay full term premium upfront and receive a discount. 

Homeowner – Kentucky policyholders are eligible for an additional discount if they own their home.

Classroom Discounts

Defensive Driving – Complete a state-certified defensive driving course and earn a discount. Please be prepared to submit your course complete certificate. Discount available to drivers of all ages.

Good Student – All students on the policy, under 25, can reduce their premiums just by getting good grades in school. The 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.

Home Insurance Discounts

Enjoy added peace of mind knowing your home is protected and saving you money with discounts that reward safety, responsibility and loyalty.   

Discounts for the Household

Multi-line Discounts - Multiple insurance policies help to organize your coverages and save you time and money. Get a Farmers homeowners insurance with a Farmers Auto Policy and you’ll receive additional discounts.

Early shopping - Get a quote and switch to Farmers at least seven days before the policy starts and your old policy expires to receive a discount.

Home Upkeep Discounts

New Home - If your home was built within the past 14 years, it’s eligible for a special New Home discount. 

Home Safety Discounts

Home Safety - Qualify for this additional discount when you’ve added loss prevention measures or environmentally-friendly features to your home like these:

  • Theft protection device
  • Fire protection device 
  • Water protection device
  • Sprinkler discount 

Claims Free Discount

If you stay continuously insured with Farmers without any claims for at least three years, we’ll reward you with this rate discount at renewal time. 

Rent to Own Discount

Are you a renter planning the purchase of your first home? Be sure to ask a Farmers Representative about our Rent to Own discount. It’s available if you have an existing Farmers® Renters policy that has been in force for at least one year. 

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.