Farmers Signal Review (2021)
The Farmers Signal app allows existing Farmers car insurance policyholders to benefit from their safe driving patterns. Signal by Farmers tracks drivers to study their tendencies regarding distracted driving, excessive speed, and other key factors. As drivers follow safe-driving practices, they can save up to 15 percent on their policies. Families with young drivers can save an additional 10 percent.
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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: Mar 4, 2021
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- The Farmers Signal app allows policyholders to save money and earn rewards based on their driving records
- Families who enroll their young drivers can save an additional 10 percent on their policies
- You must have an existing auto insurance policy with Farmers insurance to use the Signal app
Most drivers would agree that focusing on safe driving is important regardless of the outcome. But some companies reward their customers with auto insurance discounts based on their safe driving records.
Signal by Farmers is an app that allows Farmers insurance customers to benefit from driving safely. The Farmers Signal app gives policyholders the opportunity to save up to 15 percent on their policies for driving safely.
Before you buy Farmers Signal car insurance, use our free tool above to find car insurance quotes from local companies.
Table of Contents
How does Signal by Farmers work?
The Farmers Signal app allows policyholders with Farmers car insurance to track their driving in order to save money and earn benefits. To sign up for the Signal program, customers must first speak to a Farmers agent.
Once you are enrolled in Signal by Farmers, you will immediately earn a five percent 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 focuses on rewarding families with young drivers by allowing families with individuals under 25 to save an additional 10 percent on their policies.
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Why will my phone be tracked?
In order to progress with Signal by Farmers, you will need to allow the app to track your driving. This means that as you drive, your driving tendencies will be monitored.
The Farmers Signal app tracks activities such as:
- Focused Driving
- Hard Brakes
- Excessive Speed
- Time of Day
- Total Mileage
By monitoring drivers as they go throughout their days, the Farmers Signal app can take note of positive driving behaviors as well as those behaviors that need to change in order to keep the roads safe.
Farmers Auto Insurance
If you are searching for affordable car insurance, Farmers may be right for you. The table below shows their competitive car insurance rates by state.
| State | Average Premiums by State | Average Annual Premiums (Farmers) | Change from State Average (+/-) | Percentage Change (+/-) |
|---|---|---|---|---|
| Alabama | $3,566.96 | $4,185.80 | $618.84 | 17.35% |
| Arkansas | $4,124.98 | $4,257.87 | $132.89 | 3.22% |
| Arizona | $3,770.97 | $5,000.08 | $1,229.11 | 32.59% |
| California | $3,688.93 | $4,998.78 | $1,309.85 | 35.51% |
| Colorado | $3,876.39 | $5,290.24 | $1,413.85 | 36.47% |
| Hawaii | $2,555.64 | $4,763.82 | $2,208.18 | 86.40% |
| Iowa | $2,981.28 | $2,435.72 | ($545.56) | -18.30% |
| Idaho | $2,979.09 | $3,168.28 | $189.19 | 6.35% |
| Illinois | $3,305.48 | $4,605.20 | $1,299.72 | 39.32% |
| Indiana | $3,414.97 | $3,437.55 | $22.58 | 0.66% |
| Kansas | $3,279.62 | $3,703.77 | $424.15 | 12.93% |
| Maine | $2,953.28 | $2,770.15 | ($183.13) | -6.20% |
| Michigan | $10,498.64 | $8,503.60 | ($1,995.04) | -19.00% |
| Minnesota | $4,403.25 | $3,137.45 | ($1,265.80) | -28.75% |
| Missouri | $3,328.93 | $4,312.19 | $983.26 | 29.54% |
| Montana | $3,220.84 | $3,907.55 | $686.71 | 21.32% |
| North Dakota | $4,165.84 | $3,092.49 | ($1,073.35) | -25.77% |
| Nebraska | $3,283.68 | $3,997.29 | $713.61 | 21.73% |
| New Jersey | $5,515.21 | $7,617.00 | $2,101.79 | 38.11% |
| New Mexico | $3,463.64 | $4,315.53 | $851.89 | 24.60% |
| Nevada | $4,861.70 | $5,595.56 | $733.86 | 15.09% |
| Ohio | $2,709.71 | $3,423.01 | $713.30 | 26.32% |
| Oklahoma | $4,142.33 | $4,142.40 | $0.08 | 0.00% |
| Oregon | $3,467.77 | $3,753.52 | $285.75 | 8.24% |
| South Carolina | $3,781.14 | $4,691.85 | $910.71 | 24.09% |
| South Dakota | $3,982.27 | $3,768.80 | ($213.47) | -5.36% |
| Tennessee | $3,660.89 | $3,430.07 | ($230.82) | -6.30% |
| Utah | $3,611.89 | $3,907.99 | $296.10 | 8.20% |
| Washington | $3,059.32 | $2,962.00 | ($97.32) | -3.18% |
| Wisconsin | $3,606.06 | $3,777.49 | $171.43 | 4.75% |
| Wyoming | $3,200.08 | $3,069.35 | ($130.73) | -4.09% |
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In addition, Famers policies and prices are competitive in the auto insurance market. In addition, they have positive financial strength ratings from companies like AM Best.
| Ratings Agency | Rating |
|---|---|
| A.M. Best | A- |
| Better Business Bureau | A+ |
| Moody's | A2 |
| S&P | A |
| NAIC Complaint Index | 0.79 |
| JD Power | Claims Satisfaction 4/5 |
| Shopping Study | 3/5 |
| Consumer Reports | 89 |
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If you do choose Farmers car insurance company, you can rest assured that they will take care of you like they are supposed to.
Should I download the Farmers Signal app?
You should only download the Signal by Farmers app if you intend to utilize the program. Even so, you must first speak with a Farmers agent to ensure you set up the app correctly and are rewarded for doing so.
If you believe you are a safe driver and you are open to allowing the Farmers Signal app to track your driving throughout the day, then it may be worth it to join Signal by Farmers and work toward saving money on your family’s car insurance policy.
Every driver should consider ways they can save money on their auto insurance. If you are looking for a program like Farmers Signal, be sure to use our free quote tool below to find your best options!