Special Discounts for Military Families with Farmers Insurance
Good news for service members: Farmers offers exclusive savings for military households on both auto and home insurance. The idea is simple — keep strong protection in place while reducing what you pay each month.
The best way to capture every discount is to compare a few options side by side. Use this page as a fast starting point, then dive deeper into our guide to auto & home insurance discounts to see how far your savings can go.
Key takeaways
- Military discount: Available for many active-duty members and veterans; in some cases, spouses and dependents may also qualify.
- Bundle & save: Pair auto and home policies for extra savings (learn more about stacking in bundled discounts).
- Stackable savings: Often combines with safe-driver, multi-car, paperless, EFT/pay-in-full, and defensive-driving discounts where allowed.
Get Affordable Auto Insurance Quotes
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Home quotes tailored to military households and frequent moves.
How Farmers Military Discounts Work
Farmers typically starts with a base rate for your auto or home policy, then applies discounts that fit your profile. The military discount is one of the first adjustments, lowering your price in recognition of your service. From there, additional savings can be added for safe driving, multiple vehicles, or combined home and auto coverage.
For homeowners, the military discount is just one part of the picture. Property upgrades, security systems, and claims-free history can all reduce your premium even further. To see how the home side can be optimized, review the focused guide on the best Farmers homeowners discounts and use it alongside your military checklist to make sure you are not leaving easy savings on the table.
Quick checklist for military savings
- Eligibility & verification: Have LES/pay stub, military or veteran ID, or DD-214 ready. Ask which documents your state accepts for spouses and dependents.
- PCS moves: Update your garaging ZIP after each relocation, because rates change by area. Confirm how your coverage works during vehicle shipping and adjust annual mileage if your driving pattern changes.
- Deployment: Storing the car while away? Ask about storage or lay-up options, or comprehensive-only coverage, so you keep theft and weather protection at a lower cost. If you will not drive at all stateside, consider whether non-owner coverage fits.
- On-base vs. off-base: If you live on base, renters insurance can help cover personal property. Off base, review limits and consider listing uniforms, gear, and high-value items separately if needed.
Top Farmers Discounts for Military Families at a Glance
Use this table as a quick reference when you speak with an agent or compare quotes online. It shows which discounts most often help military families, what they reward, and how they support your budget.
Bring this list to your quote call and ask which of these savings are already included in your price, which ones you can add now, and which require a small change in how you store, drive, or bundle your policies.
| Discount type | What it rewards | Why it helps military families |
|---|---|---|
| Military discount | Active duty, veterans, and eligible family members | Provides an immediate rate reduction based on your service status. |
| Home + auto bundling | Keeping auto and home policies with Farmers | Stacks savings on both policies and simplifies billing through PCS moves. |
| Safe-driver savings | Clean driving record and few claims | Rewards careful commuting on and off base with lower long-term premiums. |
| Low-mileage / storage options | Reduced driving or stored vehicles during deployment | Helps you avoid paying full-time rates when your car is parked most of the year. |
| Home safety and upgrades | Security systems, newer roofs, updated wiring or plumbing | Protects uniforms, gear, and personal items at home while lowering risk. |
| Loyalty and on-time payments | Staying insured with Farmers and avoiding coverage gaps | Rewards consistent coverage, even if your duty station changes over time. |
1) List every discount from the table that might fit your household.
2) Confirm which ones appear on your quote and what proof is needed for the rest.
3) Recheck after each PCS, deployment, or home upgrade to capture new savings.
Putting It All Together: Comparing Quotes the Right Way
Always compare the same coverage limits and deductibles across carriers so you see the true price difference, not just a cheaper but weaker policy. Make sure each quote uses your current garaging ZIP, realistic annual mileage, and accurate vehicle safety features.
Farmers policies are flexible — you can choose anything from basic state-minimum liability to broader home and auto protection with added features. If you are still shopping around, use our online quote tips to compare multiple companies quickly and consistently before you decide where the military discount delivers the best value.
If you expect a PCS or deployment, ask how mid-term changes will affect your price, refunds, and coverage. Review claim timelines, repair options, and rental-car rules so you know what to expect after an accident. Save copies of your quotes and a short summary of your choices now — this will make next year’s renewal much faster.
Frequently Asked Questions About Military Discounts
Here are short answers to the questions military families ask most often. Use this section as a quick pre-quote checklist before you talk with an agent or submit an online form.
What discounts does Farmers Insurance offer for military families?
Farmers may offer discounts for active-duty members, veterans, and eligible family members on both auto and home policies. Exact details can vary by state and by program, so always confirm what applies where you are stationed.
How can I apply for these military discounts?
Start a quote online or with an agent, then verify your eligibility. Be ready to upload or show documents such as a military ID, LES, or DD-214 so the military pricing can be added to your policy from day one.
Are there more ways to save?
Yes. You can often stack the military discount with bundling, safe-driver pricing, multi-car savings, paperless billing, defensive-driving credits, or pay-in-full options, as long as your state’s rules allow them to work together.
Can I combine military discounts with other savings?
In most states, yes. Farmers typically allows military discounts to be combined with multi-policy, loyalty, and other qualifying savings, provided they meet company guidelines.
Bottom line: Farmers makes it straightforward for military families to secure affordable, comprehensive coverage. A short conversation with an agent — plus a few minutes gathering documents — can unlock meaningful savings on the policies you already need. Start with a fresh set of quotes, confirm every eligible discount, and let your military status work for your budget.