Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 31, 2021

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The Lowdown

  • Safe drivers can save upwards of 15 percent by using the Farmers Signal App
  • Just downloading and using the app automatically saves you five percent
  • Farmers Signal monitors things like distracted driving, braking habits, and the time of day you drive

Drivers who have Farmers Insurance may want to consider signing up for Farmers Signal to save money on their auto insurance. The Farmers Signal app uses telematics to monitor your driving habits and create a map of the areas you drive.

Good drivers can save money on their car insurance and drivers who need improvement can get the feedback they need to become better drivers.

Farmers Signal auto insurance quotes aren’t available since rates depend on your driving.  You don’t have to wait to save on your insurance. Enter your ZIP code to get free car insurance quotes today.

How does Farmers Signal work?

The Farmers Signal App is a free, downloadable tool you can use if you’re a Farmers Insurance customer.

Once it’s downloaded, you’ll run the Farmers Signal app in the background of your phone while you drive. The app will monitor your driving and award you a score. This score updates every time you drive and your discount gets better as your driving gets better.

The Farmers Signal app isn’t just beneficial for safe drivers, it’s also great for drivers who have room for improvement. The Insurance Information Institute states that drivers change their habits quickly when they get valuable feedback.

Similar to slowing down after a speeding ticket, getting alerted about dangerous driving habits immediately after they happen can help poor drivers develop safe driving habits.

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What kind of driving habits does Farmers Signal look for?

The Farmers Signal app looks for a few specific indicators of safe driving. Those indicators include how fast you drive, how hard you brake, if you’re distracted, how many miles you drive, and the time of day you drive.

All these metrics help Farmers to understand what type of driver you are and award you accordingly by taking money off your rates.

Who qualifies for Farmers Signal?

Anyone who is a policyholder with Farmers Insurance can talk to their agent and download the app. Households that have young drivers may be able to save even more money, it’s possible to get an additional 10 percent off by signing up drivers on your policy who are under 25.

Is my privacy protected if I use the Farmers Signal app?

Farmers is upfront and transparent about what kind of data it collects with the Signal app. Farmers collects two types of information. The first is the standard information collected when you signed up for a policy with Farmers Insurance.

The second type of information gathered by the app is a compilation of your driving habits. Your braking, speed, distraction level, and driving location are all stored. The Farmers Signal app uses Farmers’ Privacy Protection Policy as well as the Signal Privacy Policy to protect your data.

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Is Farmers Signal worth it?

If Signal by Farmers reviews are any indication, the Farmers Signal app may be worth it, especially for safe drivers. Individuals with safe driving habits will save 5 percent on premiums automatically and can get an additional 15 percent off with safe driving.

Households with cautious, young drivers are in the best position to maximize savings. Households with drivers under 25 can earn the above discounts as well as up to an additional 10 percent off.

However, those concerned about sending their driving data to their insurance company may want to think critically before they sign up. Farmers Signal reviews also indicate that the app uses significant cell data and can drain your phone battery.

While there are a lot of things that cause car insurance rates to go up, Farmers Signal won’t increase your rates if bad habits are recorded.

Farmers Signal App Review: The Takeaways

Safe drivers, drivers who want specific feedback on their driving habits, and households with young drivers should all consider signing up for the Farmers Signal app. Drivers with a focused driving score of 80 or better are also automatically signed up for a monthly sweepstakes.

If you’re already insured with Farmers, speak to your agent about what it would take to get signed up for Farmers Signal and whether or not you’re a good candidate.

For drivers researching policies or shopping for a new policy, comparing affordable car insurance quotes is the first step.

You won’t be able to see Farmers Signal auto insurance rates until you’ve been enrolled in the program for a while. Why wait to get a cheaper rate? Enter your ZIP code in our free quote tool to compare rates now.