Minnesota Insurance Discounts

Auto Insurance Discounts

Discounts for the Family

Discounts for the Family
Multi-line Discounts – Combine multiple Farmers policies for total quality coverage and additional savings. Earn multi-policy discount when you have Farmers Auto coverage with any of the other following policies:
  • Home
  • Renters
  • Mobile Home / Specialty Dwelling
  • Farmers Specialty (Motorcycle, boat, motor home, etc.)
  • Life

Signal℠ by Farmers® - Signal is an app that analyzes the mechanics of your trips and driving style to help give you insights into your driving patterns. Get smarter about your driving habits, work toward reducing distractions, and earn an additional insurance discount.


Business and Professional Group – Employees, retirees, and members of certain businesses, occupations, or professional groups may be eligible for additional discounts. Contact us to see if you qualify.

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 – Get this discount when you cover more than one car under the same Farmers Insurance policy.

Teen Driver – If you’ve had a Farmers Auto policy for 2 years or more, and want to add a single licensed child or grandchild (under 19) to your policy, we can lower your rates.

Planning Ahead Discounts

Planning Ahead Discounts
Alternative Fuel – Farmers offers discounts for driving alternative fuel, hybrid, and electric cars! So save at the pump and on your auto insurance when you go green.
Electronic Funds Transfer (EFT) – Select Automatic Electric Fund Transfers as your preferred payment method and you’ll never miss a payment again! Plus we’ll discount your rate.
Pay In Full – If you choose to pay your entire premium in one installment this term, we can discount your entire premium.
Transfer – If you switch your auto insurance from certain standard carriers to Farmers with no lapse in coverage, we reward you with a rate discount.
Homeowner – Minnesota policyholders are eligible for an additional discount if they own their home.

Classroom Discounts

Classroom Discounts
Good Student – Students under 25 get a discount on their auto insurance when they get good grades in school. This 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.

Mature Driver – Drivers 55 and older can successfully complete a state-recognized defensive driving course to receive this discount on their auto insurance. The discount is valid for 3 years after finishing the course.

Home Insurance Discounts

Learn about all of the ways Farmers helps you insure your home, your household, and your lifestyle, while saving you money along the way.

Discounts for the Household

Discounts for the Household
Affinity – Earn this discount if you’re the employee, retiree, or member of an approved occupational group, business, or professional group in Minnesota. Contact us to see if you qualify.
Multi-line Discounts – Carry multiple Farmers policies and save across the board. Cover your Home, along with your Auto insurance and/or Life insurance to qualify for multi-policy discounts.

Home Upkeep Discounts

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.
New Roof – Roofs that have been built or replaced in the past 6 years qualify for this discount.
UL 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

Home Safety Discounts
Home Safety – Earn this discount if your home has been:·       
  • Fortified with added protection to the windows and doors and improved with 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.

Protective Devices – Burglar alarms, central fire alarms, and fire protection sprinklers help to protect your home from serious risk, so Farmers rewards you with a premium discount for having them.

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.