Discounts

All Discounts

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  Accident Free Discount

  Depending on the number of years your auto policy has been continuously insured with us, you may be eligible for a discount of up to 30%. This discount also enables you to earn accident forgiveness protection.

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  Advance Quote Discount

  This discount* is available for new clients quoting eligible auto or homeowners policies. Quote must be initiated seven or more days prior to the policy effective date.

  
  

  *Percentage of discount varies by how you quote and purchase.

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  Agribusiness Discount

  A 10% Agribusiness Discount on auto insurance premiums is available to employees of qualifying companies. See the list of qualifying companies.

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  Anti-Lock Braking and Passive Restraint Safety Equipment Discounts

  Vehicle safety discounts are available for eligible vehicles and automatically apply based on the vehicle's VIN.

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  Auto + Life Discount

  You could receive an additional 2% off your auto policy if you have a term life insurance policy, or an additional 4% if you have a whole life insurance policy.*

  Get more info

  * In the event that a household contains both a qualifying term and qualifying whole life policy, only the maximum Auto + Life Discount would apply.

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  Claims Experience Discount

  If you have not had any recent claims, you could earn a Claims Experience Discount. The longer you continuously keep an in force Homeowners or Dwelling Policy with us and the fewer claims you have, the lower your rates could be.

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  Crop Hail Discount

  A 10% discount will be given to any insured who has an active Rural Guardian policy with Indiana Farm Bureau Insurance.

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  Drive Less, Save More Discount

  The Drive Less, Save More Discount can help you save up to 10% on each vehicle’s auto insurance policy premium depending on your mileage.*  Learn more about the discount >>

  * Limitations and restrictions apply. Discount ranging from 1% to 10%, based on mileage up to 12,000, can be applied to eligible personal auto policies issued or renewed on or after 1/1/2023.

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  Driver Education Discount

  For eligible vehicle types, we offer a Driver Education Discount for drivers up to age 21 who complete a state-approved driver education course. If a young driver on your policy has completed a state-approved driver education course and provides signed evidence of successful course completion, he or she may be eligible for a 15% discount which applies to most coverage under that policy. Read more information on Indiana state-approved driver education providers.

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  DriveTrend® Discount

  Receive up to a 15%* discount on qualifying auto insurance policies by participating in DriveTrend®, the telematics mobile solution from Indiana Farm Bureau Insurance. The DriveTrend® mobile application provides information and feedback based on your driving habits. Get more info about DriveTrend discount.

  
  

  * Limitations and restrictions apply; the DriveTrend® discount, ranging from 10% to 15%, is based on your driving habits.

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  Farm Rate Program

  Lower rates are available to farmers for vehicles that are principally garaged on a farm.

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  Full Payment Discount

  Receive a 5% discount on eligible auto, home, and farm coverages by paying your premium in full prior to the policy term. If you pay your premium in installments, consider paying all at once to save money on your insurance premium.*

  *This discount does not apply to mortgagee billed policies and will not reduce the farm policy premium below the minimum premium.

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  Impact Resistant Roof Discount

  Use of certain impact resistant roofing products may qualify you for policy premium discounts. Properties with roof surfaces meeting Underwriters' Laboratories (UL) Class 3 or Class 4 testing Standard 2218, Impact Standard for Impact Resistance of prepared roof covering materials, are eligible for a policy premium discount. Contact your Indiana Farm Bureau Agent if you are installing an impact resistant roof for more information on how you can certify your eligibility for this new discount. Get more information on how you can reduce risks from hail damage and for more information about Impact-resistant roofing.

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  Loyalty Discount

  If you have had an in force Homeowners or Dwelling Policy with us for a minimum of one year, you could qualify to earn a Loyalty Discount. Then, the longer you have your continuously in force policy with us, the more your potential discounts can continue to grow.

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  Multi-Car Discount

  If you have two cars in your family you can save money by insuring both cars with Indiana Farm Bureau Insurance. If you have three or more cars, you can save even more.

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  Multi-Line Discounts

  If Indiana Farm Bureau Insurance insures both your auto and your home, you can save 18% on your auto and 20% on your home or farm policy premiums. If we insure both your auto and motorcycle, along with your home or farm, you can save 18% on your motorcycle premium. If we also insure your Personal or Farm Umbrella Liability Policy,  you could save an additional 5% on your auto policy premium.

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  New Business Discount

  If your auto has been continuously insured with us less than three years and written in Tier 1, you may be eligible for a discount of 20%.

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  Paperless Discount

  Receive a 5% discount on qualifying auto, home, and dwelling insurance policies and up to 5% on farm policies by signing up for paperless policy documents in Online Account Manager. In addition to saving money you can view your policy documents in an accessible electronic file 24/7 and reduce paper for greener living.

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  Protective System Discount

  Protect your home with the following and save: smoke alarm, burglar & fire alarms, dead-bolt locks and fire extinguishers.

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  The Peril Protection System – Water

  Receive a 5% discount on your dwellings and personal property premiums if you have a water leak detection system which meets certain eligibility qualifications. These qualifications include water sensors attached to a data network which is monitored and verified on a continuous basis, connected to a call center and we can verify the system is active in your home or farm residence.

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  The Peril Protection System – Water Back up and Sump Overflow

  Receive a 20% discount on your Water Backup and Sump Overflow endorsement premium if you have a water leak detection system which meets certain eligibility qualifications. These qualifications include water sensors attached to a data network which is monitored and verified on a continuous basis, connected to a call center and we can verify the system is active in your home or farm residence. In order to receive this discount this endorsement  must be on your eligible policy.

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  Top Scholar Discount

  Youthful drivers who attain at least 2.95 cumulative grade point average (GPA) on a 4.0 scale (or its equivalent) in school may also qualify for a valuable discount.

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  Youthful Driver Discount

  Auto policies with young drivers age 16-24 may be eligible for discounts to reward safe driving. The Youthful Driver Discount Enrollment form must be completed and signed to be considered for eligibility.