Tennessee Insurance Discounts

Auto Insurance Discounts

Discounts for the Family


Multi-line Discounts – You could enjoy multi-policy discounts when you combine your Farmers Auto policy with any of the following Farmers products:

  • 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 an employee or a retiree from an approved occupational group, you may be eligible for this discount. 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 – Earn a multi-car discount when you cover more than one vehicle under the same Farmers Auto policy.

Teen Driver – Your teen drivers (19 and under) save on their Auto insurance rates when you add them to your plan, as long as your policy has been in effect for at least 2 years.

Planning Ahead Discounts


Alternative Fuel – Because you help the environment by driving a hybrid, electric, or other new alternative fuel car, Farmers offers you this discount.

Electronic Funds Transfer (EFT) – Choose to pay your premiums electronically and we’ll reduce your rate.

Pay In Full – Pay your entire term premium in one lump sum, and we’ll reduce your rates.

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

Classroom Discounts


Good Student – If you are a student younger than 25-years-old and meet one of the following requirements, we may applaud your dedication by granting you a discount:

  • High school student with at least a "B" average
  • College student with a 3.0 (out of 4.0) grade point average or higher
  • Dean's List or Honor Roll student
  • Student ranked in the top 20% of their class or in the top 20% in national standardized tests

Please be ready to submit proof of eligibility (a copy of a report card, grade-point average, etc.) when requesting this discount.

Mature Driver – Tennesseans 55 and older can lower their Auto insurance rates after completing a state-approved Safe Drive Program. This discount is valid for 3 years, so if you’ve taken the course recently, please let us know!

Home Insurance Discounts


Learn more about Farmers Tennessee Homeowners insurance discounts to see if you qualify for additional savings.

Discounts for the Household


Affinity – You could qualify for a discount if you’re an employee or retiree from an approved occupational group.

Multi-line Discounts – Combine your Farmers Home insurance with an Auto and/or Life policy and you may receive a discount on your rate.

Home Upkeep Discounts


Home Renovation - Did you recently renovate your home’s heating and electrical, or plumbing systems? This discount may be waiting for you.

New Home - Was your home built in the past 12 years? That can get you another discount.

U L Approved Roofing Materials - Pile on this discount if your home has asphalt or fiberglass shingles that are approved by Underwriters Laboratories.

Home Safety Discounts

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Home Safety - This discount is offered to homes with specified loss prevention and energy efficiency measures such as: reinforced windows and walls, water leak or gas valve shut offs, or ENERGY STAR, LEED, or EPA certifications.

Protective Devices - If you have added a fire alarm, a security system, and/or an internal sprinkler system to your home, you can get this discount applied to your insurance.

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.

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.