The Comprehensive Farmers Signal App Review for 2022

The Farmers Signal app uses telematics to monitor driving habits such as speeding, hard braking, and distracted driving. Signal from Farmers offers a 5% sign-up discount, and drivers can earn an additional 15% discount for safe driving. In addition, Farmers doesn’t raise rates if you score poorly. However, Signal isn’t available everywhere, and there may be privacy concerns.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Feb 27, 2022

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Things to Know

  • The Farmers Signal app monitors driving behaviors such as speed, mileage, and distracted driving
  • Drivers get an initial 5% discount for signing up and then up to an additional 15% based on driving
  • Your rates won’t increase if you score poorly with the Farmers mobile app

The Farmers Signal app uses telematics to evaluate your driving and offers a discount of up to 15% for safe driving habits. Drivers receive a 5% discount for signing up, and young drivers are eligible for another 10% in savings.

Signal from Farmers runs in the background on your phone and uses your battery and data. Signal also records our location, causing privacy concerns.

Low mileage drivers who don’t use their phones behind the wheel can see significant savings. Drivers who work late shifts or speed won’t save much money.

Keep reading to learn more about the Farmers Signal app and see if it is right for you.

What is the Farmers Signal app?

Many car insurance companies use telematics to reward safe drivers with discounts. As a result, drivers who exhibit safe driving skills — like not using their phones while driving — are in fewer accidents, keeping insurance rates low.

Signal is the latest offering from Farmers that offers discounts for safe driving. The Signal app is free, easy to download, and runs in the background on your phone.

The Signal app receives good ratings. Drivers gave Signal a 4.3/5 rating in the Google Play Store and a 4.8/5 rating in the App Store.

Signal from Farmers also offers CrashAssist crash detection. As Signal monitors your driving, the app can detect an accident.

Once you confirm you’ve had an accident, Signal can contact emergency services and send them to you. It can also help you start a claim and share your location with contacts.

However, there are some privacy concerns with any telematics program, including Signal. The app records your location and shows your trip history.

This trip history shows where to improve safe driving behaviors. Everyone in your family signed up for the app can see each other’s data.

Signal runs similarly to a navigation app, constantly using your battery and data. Be sure to plug in your phone while driving and have a good data plan in place.

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How much can you save with the Farmers Signal app?

The Farmers insurance app monitors your driving and bases your discount on how well you score. The discount applies when your policy renews.

A 5% discount is applied when you sign up for the Signal app, and you can earn another discount of up to 15% for safe driving habits. Young drivers earn an extra 10% discount using the program.

Farmers also holds monthly drawings for drivers who score at least 80% using Signal. Safe drivers can receive $100 rewards each month.

Your driving record significantly impacts your rates. While the Signal app aims to improve driving skills, a bad driving record increases rates.

This table shows average monthly rates from Farmers based on your driving record.

Farmers Average Monthly Car Insurance Rates Based on Driving Records

Driving RecordAverage Monthly Rates
One Speeding Ticket$340.00
One Accident$377.00
One DUI$393.00
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One accident increases your Farmers car insurance rates by around $90 a month. Signal encourages safe driving behaviors to help you avoid accidents and keep rates low.

According to the Insurance Information Institute, telematics makes you an all-around safer driver. Drivers who receive immediate feedback quickly correct unsafe driving and learn to be more aware of how they drive.

Signal gives drivers real-time feedback to improve their scores and correct poor driving behaviors.

What driving behaviors are monitored by the Signal app from Farmers?

While the Signal app records a lot of data, specific driving habits are monitored and scored.

The Signal app monitors:

  • Mileage. The amount of miles you drive matters since more time on the road increases your chance of an accident.
  • Time of day drives occur. Drivers who are on the road late at night or very early in the morning are more likely to be in an accident.
  • Speeding. Speeding is a risky habit. The app records if you drive over the speed limit or exceed 80 miles per hour.
  • Hard braking. Hitting your brakes hard indicates either aggressive driving or a lack of attention. Either way, hard braking is likely to cause an accident.
  • Distracted driving. Distracted driving causes thousands of accidents each year. Signal records any time you use your phone when driving and lowers your score.

Understand how you drive to determine when you should consider pay as you go car insurance.

Your score on the habits listed above determines your discount. Low-mileage drivers who don’t use their phones while driving and follow the speed limit will save the most.

However, the good news is that your rates won’t increase if you score poorly.

What are other ways to save on Farmers car insurance?

There are other Farmers discounts to save you money. For example, Farmers auto insurance discounts are offered based on the driver, vehicle, and policy.

This table shows available Farmers car insurance discounts. If the savings amount is known, it is listed.

Farmers Car Insurance Discounts
Car Insurance DiscountsFarmers (%)
Adaptive Headlightsx
Anti-lock Brakesx
Claim Freex
Continuous Coveragex
Daytime Running Lightsx
Defensive Driverx
Distant Studentx
Driver's Edx
Early Signingx
Electronic Stability Controlx
Family Planx
Farm Vehiclex
Federal Employeex
Full Paymentx
Good Studentx
Green Vehicle5
Low Mileagex
Multiple Policiesx
Multiple Vehiclesx
Newer Vehiclex
Paperless Documentsx
Paperless/Auto Billingx
Passive Restraintx
Safe Driverx
Senior Driverx
Switching Providerx
Utility Vehiclex
Vehicle Recoveryx
VIN Etchingx
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Most drivers are eligible for more than one discount. Bundle all of your discounts for the most significant savings.

Read our Farmers Car Insurance Review to learn more about rates, coverages, and discounts offered.

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The Farmers Signal App: The Bottom Line

Drivers who use the Farmers Signal app can save with a discount of up to 15% and an additional 5% discount for signing up.

Signal monitors driving behaviors, including speeding, mileage, and distracted driving. However, your Farmers car insurance rates won’t increase if you score poorly.

Although privacy, battery life, and data can be an issue, drivers who show safe driving habits can see lower rates.

Signal isn’t available everywhere, but drivers who use it can increase safe driving skills and reduce accidents.

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