Montana Insurance Discounts

Driving the wide open spaces and Rocky Mountains of Montana is easier with smart coverage at smarter prices. Learn about the different ways Farmers helps you save on great auto insurance in Montana.

Auto Insurance Discounts

Discounts for the Family


Multi-line Discounts – Combine multiple Farmers policies, like Auto and any one of the following, and you'll earn deep 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 – If you’re a member or employee of an approved professional group or business, you may be eligible for additional rate discounts. Contact us to see if you qualify!

Distant Student – Farmers will lower your rates if you cover a child who goes to school at least 100 miles away from your home, and who doesn’t regularly use your covered car.

Multi-Car – Cover more than one car under the same Farmers auto policy, and receive a rate discount.

Teen Driver - Add your teen child or grandchild to your policy, and as long as you’ve had your Farmers Auto coverage for at least 2 years, you’ll earn this additional discount.

Planning Ahead Discounts


Alternative Fuel – Since the discovery of the Bakken shale oil formation, Montana has been on the cusp of a natural resource boom! But if you drive a vehicle that doesn’t use traditional oil, like a hybrid, electric, or natural gas vehicle, Farmers will give you a discount.

Electronic Funds Transfer (EFT) – Pay your premium bills with Automated Electronic Funds Transfers and Farmers can reduce your rate.

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

Transfer – Transfer your auto insurance from another provider to Farmers, and we’ll reward you with this discount.

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

Classroom Discounts


Good Student – Do well in school, and students under 25 get a discount on their Auto insurance. This discount applies to students that meet one of the following academic criteria:

  • 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 – Montana drivers 55 and older, who successfully complete a state-recognized defensive driving course, can receive a discount on their Bodily Injury, Property Damage, Medical Payments, and Collision liability coverage. The discount is valid for 2 years, so if you’ve recently finished a course, please let us know!

Home Insurance Discounts

Learn how you can protect your home and your household with great coverage, all without breaking the bank.

Discounts for the Household


Affinity - Employees and retirees from certain eligible occupational groups may qualify for this additional premium discount. Contact Us to see if you qualify.

Multi-line Discounts - Save big when you combine multiple Farmers policies. Carry your Homeowners Insurance, along with your Auto or Life, all with Farmers, and save!

Home Upkeep Discounts


Home Renovation – Homes with recently replaced or renovated heating and electrical, or plumbing systems may qualify for this premium discount.

New Home – Homes built within the past 13 years may be eligible for a premium 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

secure home icon

Home Safety – Taking steps to make your house stronger or more environmentally friendly makes for a safer home. So Farmers discounts your policy if you take any of the following steps:

  • Fortify the home with added protection to windows, doors, and improved connections between the roof, walls, and foundation to guard against natural disasters and extreme weather.
  • ENERGY STAR or EPA Certified for energy efficiency
  • LEED Certified for high performance green homes
  • Equip the home with Whole House Water Leak Detection to shut off the main water service when a leak is found
  • Equip the home with an Automatic Gas Shutoff Valve

Protected 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.

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.

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.

Simplify and save

Find out about multi-line insurance discounts when you buy an auto policy with a home policy.