Michigan Insurance Discounts

Car Insurance Discounts

Discounts for the Family

Multi-line Discounts – Protect all of your important assets and save some money too, by combining multiple Farmers insurance policies. Earn multi-policy discounts when you carry any of the following policies along with your Farmers Auto policy:
  • Home
  • Condo
  • Renters
  • Life
  • 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, 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

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

Multi-Car – Cover multiple vehicles under the same Farmers Insurance policy, and save.

Youthful Driver – Add a child or grandchild to your policy, 24 and younger, and you may be eligible for this rate discount.

Planning Ahead Discounts

Alternative Fuel – Detroit is a hub for hybrid car and alternative fuel technology. So if you’re one of the many locals that drive a hybrid, electric, natural gas, or other alternative fuel vehicle (even if it’s not from one of the Big 3), you get to save at the pump on your Auto insurance.

Electronic Funds Transfer (EFT) – Reduce your rate and the chances of missing a payment when you enroll in Automatic Electronic Payments.

Homeowner – Get a lower Auto insurance rate if you own your home.

Pay In Full – Choose to pay your entire premium in one lump installment this term, and we’ll lower your rate with a discount.

Transfer – Switch to Farmers from another approved insurance carrier, and you may be eligible for an additional rate discount.

Classroom Discounts

Good Student – Students under 25 get a discount on their Auto insurance by keeping their grades up in school. The discount applies to students that have proof of one of the following:
  • High school students with at least a “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 on recognized 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 55 and older can complete a state-approved Safe Driver Program for an extra discount on their bodily injury, property damage, medical payments, and collision coverage. If you’ve taken a course like this in the past 3 years, you’re eligible for this discount.

Home Insurance Discounts

From the city to the suburbs and everywhere in between…wherever you call home in Michigan, protect it with smart Homeowners coverage at smarter prices with Farmers.

Discounts for the Household


Affinity – Employees, retirees, and members of approved business and professional groups in Michigan may be eligible for an additional premium discount. Contact us to see if you qualify.

Multi-line Discounts – A discount is available for Farmers customers who carry Home insurance along with Farmers Auto and/or Life insurance.

Home Upkeep Discounts

Home Renovation – Discounts are available to homeowners who have 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.

U L Approved Roofing Materials – Roofs made of impact resistant materials, approved and tested by Underwriting Laboratories, like asphalt shingles or asphalt fiberglass, may qualify for this discount.

Home Safety Discounts

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Home Safety – Earn this discount if your home has been:

  • Fortified with added protection to the windows, doors, and improved connections between the roof, walls, and foundation to guard against natural disasters and extreme weather
  • 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

Protected Devices – Protect your home with a burglar alarm, central fire alarms, or fire protection sprinklers and Farmers will reward you with premium discounts.

Connected Home - also known as a smart home – may earn you a discount on your Farmers Insurance® Home policy. Having a Connected Home is a smart way of using technologies to help you monitor your home 24/7 – both when you're home and when you're away.

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.

Do you qualify for a multi-policy discount?

Find value and convenience with multiple insurance policies from Farmers®.

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 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.