Farmers Signal: How Much Do You Save? (2021)

The Farmers Signal car insurance discount is 5% just for signing up. You can then save up to 15% after the Farmers Signal app tracks and reports your driving habits like speed, distracted driving, and time of day you drive. The Signal program is free, and your Farmers Signal car insurance rates will not increase based on your score.

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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: Jul 2, 2021

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Things to Know

  • Signal from Farmers Insurance will offer you discounts based on your driving habits
  • You get a 5% discount just for signing up and then up to 15% off of your next renewal if you have good driving habits
  • Your car insurance rates won’t increase if you have poor driving habits

The Farmers Signal car insurance discount can be up to 15% which is quite hefty, especially for families with multiple drivers.

The Farmers Signal usage-based car insurance app uses telematics to see if you exhibit good driving skills. It also creates a map of your drive that highlights any areas in your driving that need improvement.

Farmers is one of the best car insurance companies out there and offers multiple types of insurance and discounts. Before you buy Farmers Signal car insurance, make sure you are getting the best deal with usage-based car insurance.

Farmers Signal car insurance is one of many usage-based insurance (UBI) options available to you, so before you buy car insurance, enter your ZIP code now to compare free quotes from multiple companies near you.

How does the Farmers’ Signal program work?

Signal is the telematics program from Farmers Insurance that offers you discounts based on your driving habits. The better you drive, the more you save.

The program is very simple to use, and instructions on how to sign up for Farmers Signal are on the Farmers website. There are also YouTube videos on how to use the Farmers Signal app to give you a visualization of how it works.

The Farmers Signal car insurance app has to be running in the background when you’re driving, and it records your trip. You have to use the app for at least 10 trips to qualify for a discount.

These are the habits that Signal looks at:

  • Distracted driving
  • Hard braking
  • Speed
  • The time of day you drive
  • Miles driven

The app then creates a map of your route that highlights where your risky driving events were. Your family can all sign up for the program, and you can view each other’s information.

You can tell the app if you are the passenger instead of the driver and contact Farmers if the trip isn’t recording correctly.

Depending on your driving habits, you might receive up to a 15% discount on your renewal. The good news is that even if your driving isn’t stellar, Farmers won’t raise your rates.

Signal also offers entries into sweepstakes for gift cards if drivers score well each week and even additional discounts for young drivers enrolled in the program.

Before you sign up for Farmers Signal car insurance, first, read our Farmers car insurance review to see average rates, discounts, and company ratings. Also, check out Farmers Signal app reviews on Apple and Google.

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Is Farmers Signal worth it?

Signal offers you significant discounts if your driving skills are good and doesn’t penalize you if they are bad. The program also helps you be more aware of your driving, which can lead to safer habits.

Farmers Signal is also very easy to sign up for and use, but it does use your cellphone data so you need a good data plan.

The one downside is that you are permitting the recording of your trips, and some drivers may wish to protect their Farmers Signal app privacy. However, data collected by the app can be taken to a car insurance lawyer for evidence if you’re involved in an accident.

Since Farmers Signal car insurance quotes will differ depending on the results of the program, they can be hard to estimate.

Now that you know more about Farmers Signal, find the best car insurance rates by entering your ZIP code to get free quotes from multiple companies in your area.

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