Virginia Insurance Discounts

Auto Insurance Discounts

Discounts for the Family


Multi-Line Discounts - Combine your Farmers Auto policy with any of the following Farmers products, and get quality coverage for all your important investments, while saving with deep discounts:

  • Home
  • Condo
  • Renters
  • Mobile Home / Specialty Dwelling
  • Life
  • Farmers Specialty (Motorcycle, Boat, Motor Home, ATV, etc.)

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 - Employees or retirees from approved businesses and professional groups may be eligible for additional Farmers discounts. Contact us to see if you qualify.

Distant Student - If your child goes away for school at least 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 on your Farmers Auto policy to earn this rate discount.

Teen Driver - Save when you add your teen child or grandchild to your policy. To qualify, your policy must be in effect for at least 2 years.

Planning Ahead Discounts


Alternative Fuel – Virginians who drive hybrid, electric, or other alternative fuel cars are welcomed to Farmers unique alternative fuel discount.

Electronic Funds Transfer (EFT) - Enroll in automatic electronic payments, and earn a premium discount.

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

Homeowner - Virginia policyholders are eligible for an additional discount if they own their home.

Classroom Discounts


Good Student – Keep your grades up, and Virginian students can save on their auto insurance. Discount applies to:

  • 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

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

Mature Driver – Virginia drivers 55 and older can lower their auto insurance premiums by completing a state-approved Safe Driver Program. If you’ve finished a course like this in the past 3 years, please let us know!

Home Insurance Discounts

Discounts for the Household


Affinity - Farmers likes to team up with businesses across America. To celebrate some of our community accomplishments as a team, we give discounts to certain occupational groups, even if you’re a retiree. So talk to a Farmers agent today to see if you qualify.

Multi-line Discounts - Looking into a Farmers Home, Auto and/or Life policy? Combining policies saves you cash with a discount!

Home Upkeep Discounts


Home Renovation - Have you recently renovated your home’s heating and electrical, or plumbing systems? You’d earn this discount if you did.

New Home - Having a new home means more savings with this Farmers reward. And the discount will repeat for up to several years!

U L Approved Roofing Materials - Asphalt and fiberglass shingles approved by Underwriters Laboratories are more resilient against weather, keeping repair costs at bay.

Home Safety Discounts

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Home Safety - Eligible safety and energy-efficiency features include: fortified windows and walls, automatic water leek or gas valve shut offs, or ENERGY STAR, LEED, or EPA certifications.

Protective Devices - Does your home have a fire alarm, security system, and/or internal sprinkler system? Yes, saving on Farmers insurance really is this easy.

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 for a complete listing of entities. Not all insurers are authorized to provide insurance in all states. Coverage not available in all states.