Texas Insurance Discounts

Auto Insurance Discounts

Learn about the different ways Farmers helps you save on great Auto insurance in Texas.

Discounts for the Family


Multi-line Discounts – Combine your Farmers Auto policy with any of the following Farmers products and you may earn 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 - If you’re employed or retired from an approved occupational group (e.g., Accountants, Educators, Engineers, Firefighters, Military, Law Enforcement, etc.), you may be eligible for this discount. Contact us to see if you qualify.

Distant Student – If your children go to school at least 100 miles from the home and have no regular access to the covered car, this discount can lower their rates.

Multi-Car – We’ll discount your rates if you cover more than one vehicle under the same Farmers Auto policy.

Teen Driver – Add a single licensed teen driver to your policy (your child or grandchild) and as long as you’ve had your policy in force for at least 2 years, you’ll save.

Planning Ahead Discounts


Alternative Fuel – Earn this special rate discount if you drive a hybrid, electric, or other new alternative fuel car.

Electronic Funds Transfer (EFT) – Pay your premium electronically and Farmers can discount your rate.

Homeowner – If you own your home you may earn this discount.

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

Transfer – Earn this discount when you switch to Farmers Insurance from another approved carrier and without a lapse in coverage.

Classroom Discounts


Good Student – Good students are good best behind the wheel. Farmers can discount your rate if any of the following apply to you:

  • 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

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

Homeowner Insurance Discounts


From the banks of the Red River to the flats of the Rio Grande, wherever home is in the Lone Star State, protect it with insurance that gives you the most coverage for your money.

Discounts for the Household


Affinity - Farmers has good working relationships with local businesses and professional groups. If you are employed by one of them, or even retired from one, you may qualify for an additional discount.

Multi-line Discounts - Combine a Farmers Home insurance policy with a Farmers Auto and/or Life insurance policy, and you may earn a discount for your premium.

Non-Smoker - Statistically speaking, smoking in the house can dramatically increase the chances of fire or smoke damage. That’s why Farmers offers this discount to households that have been smoke-free for the past two years.

Home Upkeep Discounts


Home Renovation - If you recently renovated your home’s heating and electrical, or plumbing systems, you can receive this discount.

New Home - The Alamo is a pride of Texas, but newer construction also has its charms. If your home was built in the past 12 years, you can qualify for this discount.

U L Approved Roofing Materials - If an object was to fall from the sky, we’d prefer you to be safe. If your roof is made out of impact-resistant materials like asphalt or fiberglass shingles that have been approved by Underwriters Laboratories, you may qualify for this discount.

Home Safety Discounts

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Home Safety - If you’ve taken steps to improve the safety and energy efficiency of your home with features like reinforced windows and walls, water leak or gas valve shut offs, or ENERGY STAR, EPA, or LEED certification, Farmers will thank you with this discount.

Protective Devices - If you’ve invested in additional protective devices like a fire alarm, a security system, and/or an internal sprinkler system, Farmers can give some of your investment back with this discount.

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.