Ohio Insurance Discounts

Auto Insurance Discounts

With one of the biggest and most complex highway systems in the country, it’s even more important for Buckeyes to have smart Auto coverage at smarter prices.

Discounts for the Family


Multi-line Discounts – Combine your Farmers Auto policy with any of the following Farmers policies to cover your important investments, and you may save with multi-policy discounts:

  • Home
  • Condo
  • Renters
  • Mobile Home / Speciality 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 - Farmers offers unique discounts to approved occupational groups in Ohio to bring their employees, retirees, and members better rates. Contact Us to see if you qualify.

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 car under the same Farmers Auto policy and save.

Youthful Driver – Reduce your premium rate when you add your child or grandchild (24 or younger) to your policy. To qualify, they must have a valid driver’s license and your policy must be in force for at least 1 year.

Planning Ahead Discounts


Electronic Funds Transfer (E F T) – Select E F T as your premium payment method, and we’ll lower your rates.

Homeowner – As the name implies, if you own your home, you may be eligible for this additional discount.

Pay In Full – Lower your rates if you decide to pay your full-term premium with one lump sum.

Classroom Discounts


Good Student  Students under 25 can lower their auto insurance rates when they do well in school. The Good Student Discount applies to any 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 Ohioans, 55 and older, can complete a state-approved Safe Driver Program for a discount on their auto insurance. If you’ve taken this course in the past 3 years, please let us know!

Home Insurance Discounts

See the ways Farmers rewards you for smart and safe homeowner habits, and how even little things can save you big on your insurance.

Discounts for the Household


Affinity - Farmers offers discounts to employees, members, and even retirees of certain professional groups and occupations. Contact us or a Farmers agent to see if you qualify.

Multi-line Discounts - Adding a Farmers Home, Auto and/or Life policy helps protect your investments, and may mean savings on your insurance premium.

Home Upkeep Discounts


Home Renovation - Home renovations to your heating and electrical or plumbing systems make your home more energy efficient, helping to save you money in the long-term. These recent renovations can also help save money on your Home insurance.

New Home - Moving into a new home is truly a great feeling. Saving cash on top of that isn’t too bad either.

U L Approved Roofing Materials - Because some kinds of roofs are more durable than others, Farmers will reward homes with impact-tested asphalt or fiberglass shingles approved by Underwriters Laboratories.

Home Safety Discounts

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Home Safety - Your home might be specialized to be more efficient and avoid losses. Home safety and environmental features like reinforced windows and walls, water leak or gas valve shut offs, or EPA, ENERGY STAR, or LEED certification may qualify you for a discount.

Protective Devices - Safety investments don’t get more basic than a fire alarm, security system, and/or internal sprinkler system. And at Farmers, we reward safe investments with discounts!

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.

Simplify and save

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

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.