At Farmers, we’re committed to making you a smarter and safer driver, homeowner, and saver. That’s why we reward your safe habits and smart planning with a variety of Michigan insurance discounts that lower your rates, not your coverage quality.




Discounts for the Family

  • Bundle Discounts – Protect all of your important assets and save some money too, by bundling multiple Farmers insurance policies. Earn multi-policy discounts when you carry about of the following policies along with your Farmers Auto policy:
    • Home
    • Renters
    • Mobile Home / Specialty Dwelling
    • Farmers Specialty (Motorcycle, boat, motor home, etc.)
    • Life
  • Distant Student – A discount for policyholders that cover a student who goes to school at least 100 miles away from the home, and doesn’t have regular access to your covered car.
  • Multi-Car – Cover multiple vehicles under the same Farmers Insurance policy, and save.
  • Youthful Driver – Add a child or grandchild to your policy, 24 and younger, and you may be eligible for this rate discount.


Planning Ahead Discounts

  • Alternative Fuel – Detroit is a hub for hybrid car and alternative fuel technology. So if you’re one of the many locals that drive a hybrid, electric, natural gas, or other alternative fuel vehicles (even if it’s not from one of the Big 3) you get to save at the pump, and on your Auto insurance!
  • Electronic Funds Transfer (EFT) – Reduce your rate and the chances of missing a payment when you enroll in Automatic Electronic Payments.
  • Homeowner – Get a lower Auto insurance rate if you own your home.
  • Pay In Full – Choose to pay your entire premium in one lump installment this term, and we’ll lower your rate with a discount.
  • Transfer – Switch to Farmers from another approved insurance carrier, and you may be eligible for an additional rate discount.


Classroom Discounts

  • Good Student – Students under 25 get a discount on their Auto insurance by keeping their grades up in school. This discount applies to students that have proof of one 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 Discount

Senior drivers 55 and older can complete a state-approved Safe Driver Program for an extra discount on their bodily injury, property damage, medical payments, and collision coverage. If you’ve taken a course like this in the past 3 years, you’re eligible for this discount.





From the city to the suburbs and everywhere in between…wherever you call home in Michigan, protect it with smart Homeowners coverage at smarter prices with Farmers.


Discounts for the Household

  • Affinity – Employees, retirees, and members of approved business and professional groups in Michigan may be eligible for an additional premium discount. Contact us to see if you qualify.
  • Bundle Discounts – A discount is available for Farmers customers who carry Home insurance along with Farmers Auto and/or Life insurance.


Home Upkeep Discounts

  • Home Renovation – Discounts are available to homeowners who have recently replaced or renovated their home’s heating and electrical, or plumbing systems.
  • New Home – Homes built in the past 13 years are eligible for this added discount.
  • New Roof – Earn this discount if you’ve replaced or built a new roof for your home sometime in the past 6 years.
  • UL Approved Roofing Materials – Roofs made of impact resistant materials, approved and tested by Underwriting Laboratories, like asphalt shingles or asphalt fiberglass, may qualify for this discount.


Home Safety Discounts

  • Home Safety – Farmers wants your home to be as safe as possible. So we apply this discount if your home is:
    • Fortified with added protection to windows, doors, and improved connections between the roof, walls, and foundation to guard against natural disasters and extreme weather.
    • Equipped with Whole House Water Leak Detection to shut off the main water service when a leak is found
    • ENERGY STAR or EPA Certified for energy efficiency
    • LEED Certified for high-performance green homes
    • Equipped with an Automatic Gas Shutoff Valve
  • Protective Devices – Protect your home with a burglar alarm, central fire alarms, or fire protection sprinklers and Farmers will reward you with premium discounts.


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.

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