New Jersey Insurance Discounts

Auto Insurance Discounts

From the beach fronts of Sea Isle to the industry hub of Newark, all of New Jersey saves with Farmers Auto discounts. Learn about the different ways Farmers helps you save on great auto insurance in New Jersey.

Discounts for the Family

Multi-line Discounts When you combine multiple Farmers policies, you protect your investments with quality coverage and save some money in the process! Purchase a Farmers auto policy, along with any of the following, and earn 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

Distant Student – If your child goes away for school more than 100 miles from your home, does not have regular access to your covered car, and meets age limits, you may be eligible for this discount.  Check with your local Farmers agent for details.

Multi-Car – Cover more than one vehicle under the same Farmers auto insurance and earn a rate discount.

Teen Driver – Teens insured on a safe-driving parent or grandparent’s policy may be eligible for a discount. To qualify, the policy must be in force for at least 2 years.

Planning Ahead Discounts

Alternative Fuel – Drive a hybrid or alternative fuel car and save on your auto insurance.

Electronic Funds Transfer (EFT) – Set up an Automatic Electronic Funds Transfer (EFT) to pay your premium, and Farmers will discount your rate.

Homeowner – We get to discount your policy if you own your home.

Pay In Full – Pay your entire premium for the term in one lump sum, and we’ll discount your rate.

Transfer – Switch to Farmers from another approved carrier, like State Farm, U S A A, Allstate, Liberty Mutual, or Hartford, and we can reduce your rates even more with an additional discount.

Classroom Discounts

Defensive Driver – Drivers in New Jersey who successfully complete a state-approved driver training course earn a discount on their auto insurance. This discount lasts for 3 years, so if you’ve completed a course in that time, let us know!

Good Student – In New Jersey, students can keep their auto insurance rates low by keeping their grades high! This discount applies to any 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.

Defensive Driving Discounts

Distracted Driving
Anti-Theft – Anti-theft devices like car alarms or similar technologies can protect your vehicle from loss and reduce your auto insurance rates.

Home Insurance Discounts

Wherever you call home in New Jersey, from the shore to their cities, protect it with smart coverage at smarter prices.

Discounts for the Household


Multi-line Discounts – Get multiple discounts for the home when you or your spouse has a Farmers home insurance policy with Farmers life and/or auto insurance.

Home Safety Discounts

secure home icon
Protective Devices – Saving money and protecting your home with qualifying burglar and fire alarms go hand in hand.
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.

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.