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Is the Farmers Signal App Worth It?

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Signal is a smartphone app from Farmers that monitors your driving and rewards safe habits with a discount of up to 30% off your Farmers
car insurance
policy.
  • Signal by Farmers is an optional
    telematics
    program that rewards policyholders for safe driving.
  • Drivers earn a Farmers insurance discount just by signing up for Signal, as well as access to the Farmers CrashAssist program.
  • The Farmers Signal app isn’t for everyone—driver’s who regularly display risky behaviors may see an increase to their Farmers car insurance premium.

Farmers Signal telematics app

Farmers Signal is a telematics program that allows Farmers policyholders to download a mobile app that monitors their driving behaviors and rewards safe driving. 
Farmers customers can earn the following
car insurance discounts
by using Signal:
  • Sign-up discount: Poliyholders get an automatic 5% off their premium simply by signing up for Signal. 
  • Signal discount: Drivers who earn a high safe driving score could qualify for as much as 30% off their Farmers auto insurance policy upon renewal.
Other perks of Farmers Signal include:
  • A chance to win a monthly reward of up to $100 based on your driving score
  • Bonus savings for young drivers between the ages of 15 and 24
  • Access to Farmers’ CrashAssist, a program which uses your phone’s sensors to detect when you’ve been in an accident, puts you in touch with emergency services if needed
In addition to earning a reduced rate on your auto insurance, enrolling in the Signal program is a great way to learn more about your own driving patterns and make changes to reduce dangerous habits, such as
distracted driving
or speeding

Pros of using Farmers Signal

The Farmers Signal app has the following advantages:
  • Free signup: Signup is completely free and you automatically get an initial discount of 5% on your Farmers auto policy.
  • Discounted rates: Safe drivers can earn up to 30% off their premium if they qualify for the renewal discount.
  • Bonus rewards: Bonus rewards are available for young drivers and drivers with high scores.
  • CrashAssist: Access to Farmers accident detection and roadside assistance program.
  • Driving feedback: Provides useful feedback on how to improve your driving habits.

Cons of using Farmers Signal

There are a few cons to consider when signing up for a telematics program—particularly if you tend to engage in riskier driving behaviors. The disadvantages of Farmers Signal include:
  • Not available nationwide: Drivers in Hawaii,
    New York
    ,
    South Carolina
    , and several other states won’t qualify for the program.
  • Requires substantial data: The Signal app uses a lot of data, which could be a problem for drivers without unlimited data plans.
  • Tracking errors: Trips erroneously tracked in others’ vehicles could reflect poorly on your own habits.
  • Potential premium increases: Engaging in poor driving behavior could lead to a higher premium upon renewal.
In general, as long as you live in a state where Farmers Signal is available and consider yourself a safe driver, this discount program is a great way to earn a lower rate on your Farmers insurance policy.

How Farmers Signal works

Farmers Signal monitors a variety of driving habits to determine a driver safety score:
  • Acceleration and braking habits: Drivers who avoid hard braking, driving over the speed limit, and excessive speeding usually earn higher driver safety scores.
  • Mileage: Motorists who drive less have a lower risk of getting into traffic accidents, so logging fewer miles may result in a higher driver safety score.
  • Time of day: The less driving you do during risky periods—like during rush hour or at night—the higher your driver safety score might be.
  • Phone usage: Drivers who limit phone use while driving often earn improved driver safety scores.
MORE: Cheap car insurance for low-mileage drivers

Contact Farmers Insurance to sign up for Signal

If you’re interested in signing up for the Farmers Signal telematics program, you have a few options:
  • Contact your Farmers insurance agent.
  • Log into your account on Farmers.com.
  • Call Farmers customer service at 1-800-709-7821 and let them know you want to enroll.
Then, download the Signal app for Android or iOS, enable it on your cell phone, and start driving!
There’s no need to open the app each time you get in your car—Signal can recognize when you’re traveling in a car and will automatically begin to track your driving.

Farmers Signal is worth it for safe drivers

If you’re usually a safe driver and don’t engage in unnecessary risks behind the wheel, then Farmers Signal is likely worth it. 
At a minimum, you’ll earn 5% off your Farmers premium just for enrolling in the Signal program—and if you maintain a good driver safety score, you’ll be eligible for additional discounts of up to 30% at every renewal period.
You’re not guaranteed a discount beyond the initial 5%, so we don’t recommend switching car insurance companies unless Farmers offers you a lower rate. 
Who should avoid Farmers Signal: Drivers who have a bad driving record and aren’t confident in their ability to operate a vehicle safely should avoid enrolling in Farmers Signal. Consider enrolling after getting more driving practice or completing a
defensive driving course
.
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