Farmers Signal Review (2025)

What You Should Know About Farmers Insurance Group

Many auto insurance companies offer usage-based coverage and telematics programs to encourage safe driving. However, each insurer monitors different driving habits and provides different discounts.

Farmers offer safe drivers an auto insurance discount based on their monitored driving. Drivers get a 5% initial discount for participating in the program and up to a 30% discount at renewal based on how they score with Farmers Signal.

However, drivers who show risky driving behaviors, such as speeding and distracted driving, may see their rates increase at renewal.

Farmers Signal Discount

Auto insurance is expensive, but Farmers gives drivers numerous ways to save. For example, Signal is a telematics program through Farmers Insurance that uses an app to monitor specific driving habits. Drivers who show safe driving behaviors earn up to a 30% discount.

While drivers earn a 5% discount for signing up with the Farmers Insurance app, the company may raise rates if the app records risky driving.

Signal is OK to use for drivers who are confident in their safe driving skills. They may find significant savings with the Signal app from Farmers, but other drivers may see increased rates.

How Does Farmers Signal App Work

The Farmers Insurance driving app allows policyholders with Farmers car insurance to track their driving to save money and earn benefits. To sign up for the Signal program, customers must first speak to a Farmers agent or customer service.

Then, you’ll receive a text with a link to download Farmers Signal app. Monitoring begins as soon as you drive, and the discount gets calculated in as little as 10 trips.

Once enrolled in Signal by Farmers, you’ll immediately earn a 5% discount on your auto insurance policy. The benefits of the Signal program increase as you improve your driving or add members to your policy.

Farmers Signal: How To Save & How It Works

Farmers Signal app rewards families with young drivers by allowing families with individuals under 25 to save an additional 10% on their policies.

To qualify for this Farmers discount, you must do well in certain categories of safe driving that Signal monitors.

Driving habits monitored by Signal include:

• Distracted driving
• Time of day
• Hard braking
• Speeding
• Mileage

Remember that if you exhibit risky driving behaviors, Farmers may raise your rates at renewal. Low-mileage drivers who don’t drive late at night, use their phones behind the wheel, speed, or tailgate may see a significant discount.

Advantages of Using the Signal App From Farmers Insurance

So what are the pros and cons of the Signal app? In addition to earning a safe driver discount, Farmers Insurance Signal app helps you become a safer driver. Studies show that telematics programs help drivers avoid accidents since they pay more attention to how they drive. In turn, auto insurance rates stay low.

Drivers who score 80% or higher also get entered into drawings for additional rewards like gift cards, an extra incentive for drivers to engage in safe driving behaviors.

Signal also offers CrashAssist as part of the app. Farmers CrashAssist uses the Signal app to detect when an accident occurs. Then, you can use the app to contact emergency services, start a claim, and share your location with contacts. In addition, you can order a tow truck.

Disadvantages of using Signal app from Farmers include personal data tracking and the possibility of a rate increase for risky driving.

Farmers Insurance Group Insurance Rates Breakdown

Farmers Auto Insurance Rates

Farmers may be right for you if you’re searching for affordable car insurance since it’s one of the top insurance companies in the U.S. In addition, Farmers Insurance Signal app reviews are typically positive. However, coverage isn’t available in every state.

To learn more about the company, read our Farmers Insurance Review.

The table below shows the company’s competitive car insurance rates by state.

In addition, Farmers policies and prices are competitive in the auto insurance market. Farmers auto insurance discounts help lower rates.

Table below shows the minimum and full coverage rates for Farmers compared to other insurance companies:

Farmers vs. Competitors: Auto Insurance Monthly Rates by Coverage Level & Provider

While Farmers has higher than average rates, it has few complaints and positive financial strength ratings from companies like A.M. Best.

Farmers Financial Strength Ratings

If you choose Farmers car insurance company, you can rest assured that the company will take care of your needs.

Farmers Insurance Group Discounts Available

How to Qualify for the Farmers Signal App Discount

To participate in the Farmers Signal program, you must have Farmers insurance and contact customer service or your agent.

You must also agree to download the app and allow tracking. Remember, the app continuously runs in the background. It records personal data, uses your cellphone data plan to transmit, and uses your battery.