Maryland Insurance Discounts


Auto Insurance Discounts

Discounts for the Family

Discounts for the Family
Multi-line Discounts – Combining insurance policies is a great way to protect all of your important investments and save money at the same time. Marylanders who purchase a Farmers Auto policy and any of the following policies qualify for our 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. You may earn up to 15% at your next renewal*. You can save even more if drivers enrolled on your policy and using Signal are younger than 25.**

Distant Student – If you cover a student who attends school outside of Maryland, or at least 100 miles away from home, and they don’t have regular access to your covered vehicle, you may qualify for this discount.

Teen Driver – Receive a discount if you’ve had a Farmers Auto policy for 2 years, and a child or grandchild, under 19 years old, is added to your policy.

Planning Ahead Discounts

Planning Ahead Discounts
Alternative Fuel – Invest in a hybrid, electric, natural gas, or other alternative fuel vehicle, and not only will you be saving the environment and saving at the pump, but Farmers will help you save on your Auto insurance.
Electronic Funds Transfer (EFT) – Opt to pay your premium with Automatic Electronic Payments, and not only will you never miss a payment again, but we’ll reduce your premiums too.
Homeowner – If you own your home in Maryland, you could qualify for this auto rate discount.
Loyalty Discount – Cover your car, home, or other investments with Farmers for 3 or more years, and we’ll reward you with this bonus discount.
Pay In Full – We’ll reduce your rate if you choose to pay your entire term premium in one lump sum.
Transfer – Switch to Farmers from another approved carrier, without a lapse in coverage, and you’ll qualify for this discount.

Classroom Discounts

Classroom Discounts
Good Student – Available to all students on a policy under 25 years old, this discount rewards young drivers who keep their grades up in school. It applies to students with proof of one 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 drivers in Maryland can complete a state-approved Safe Driver Program to earn an additional rate discount. If you’ve completed a course like this in the past 3 years, let us know.

Home Insurance Discounts

Discounts for the Household

Discounts for the Household

Multi-line Discounts – Combining Farmers policies helps you organize your coverages, protect your important assets, and save you money. Earn multi-policy discounts when you carry a Farmers Home insurance policy, along with an Auto and/or Life policy.

Home Safety Discounts

Home Safety Discounts

Protective Devices – Break-ins and fires are some of the biggest risks to your home and household. Protect them with qualified burglar alarms and fire-safety devices like a sprinkler system, and we’ll reduce your insurance premium.

Storm Shutters – Guard against hurricane winds by installing windstorm protective devices on your home, and you may qualify for a discount.

Adding products could help you save

When you purchase more than one insurance policy from Farmers®, you may qualify for discounts. Find out if adding new coverage will help you save.

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.