Farmers Signal Review (2023)
The Farmers Signal app tracks policyholders' driving habits, such as distracted driving, speeding, and late-night driving. Drivers earn a 5% discount for signing up. Then, as drivers follow safe-driving practices, they can save up to 30% on their policies at renewal.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Farmers Signal
Average monthly rate for good drivers:
$233A.M. Best rating:
AComplaint level:
LowPros
- The Farmers Insurance Signal app allows policyholders to save money and earn rewards based on their driving records.
- Families who enroll their young drivers can save 10% on their policies.
- The Signal by Farmers app is free to download, and drivers get a 5% discount for participating.
Cons
- You must have an existing auto insurance policy with Farmers insurance to use the Signal app.
- Farmers can raise your auto insurance rates if the Signal app detects risky driving.
- Other telematics programs may offer better discounts.
Final Verdict: Review of Farmers Signal
The Farmers Signal app monitors specific driving behaviors, such as distracted driving, mileage, time of day, and speeding. Drivers earn a 5% discount for participating and up to a 30% discount at renewal based on safe driving.
In addition, discounts increase if all drivers on the policy participate. Families with drivers under 25 years old earn an additional 10%. If a driver earns an 80% score or higher, they get entered into gift card giveaways.
Signal also offers CrashAssist, which can contact emergency services and send your location to contacts if it detects an accident.
Disadvantages of using Farmers Signal app include personal data tracking and the possibility of a rate increase for risky driving.
Drivers who are confident in their safe driving skills, don’t drive late at night, and keep the mileage low should consider Signal. However, drivers who like to speed, use their phones while driving, or work night shifts might want to skip the program since Farmers can raise rates for risky drivers.
What You Should Know About Farmers Insurance Group
Many auto insurance companies offer usage-based auto insurance 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 Signal.
However, drivers who show risky driving behaviors, such as speeding and distracted driving, may see their rates increase at renewal.
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Farmers Insurance Group Insurance Rates Breakdown
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 reviews are typically positive. However, coverage isn’t available in every state.
To learn more about the company, read our Farmers Auto Insurance Review.
The table below shows the company’s 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% |
In addition, Farmers policies and prices are competitive in the auto insurance market. Farmers auto insurance discounts help lower rates.
While Farmers has higher than average rates, it has few complaints and positive financial strength ratings from companies like A.M. 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 |
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
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 Signal.
However, drivers who show risky driving behaviors, such as speeding and distracted driving, may see their rates increase at renewal.
How does the Signal discount from Farmers work?
The Farmers Signal 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 the 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 focuses on rewarding families with young drivers by allowing families with individuals under 25 to save an additional 10% on their policies.
To get a 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.
What are other advantages of using Farmers Signal?
In addition to earning a discount, Signal 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. 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.
How do you qualify for the Farmers Insurance Signal 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.
Frequently Asked Questions
How does the Signal discount from Farmers work?
The Signal app monitors specific driving behaviors and offers a discount at renewal. However, risky driving can lead to higher rates.
Remember, the app runs continuously in the background on your phone. It records your location, uses cellphone data, and can drain your battery.
How much is the Farmers Signal discount?
Drivers receive a 5% discount when they sign up and up to a 30% Farmers Signal discount at renewal. Policyholders with young drivers can also receive a 10% discount if they participate.
Keep in mind that you get a higher discount if all drivers on your policy participate.
What driving behaviors does Signal monitor?
In order to progress with Signal by Farmers, you will need to allow the app to track your driving. The app runs in the background and monitors driving behaviors.
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 note positive driving behaviors and those that need to change to keep the roads safe.
How do I enroll in Signal?
You must speak with Farmers customer service or our agent to enroll in the Signal program. Then, you’re sent a link to download the app from the Apple Store or Google Play Store. The app begins to monitor driving immediately, and you begin receiving an estimated discount after 10 drives.
How can I install Farmers Signal?
To install Farmers Signal, follow these steps:
- Visit your app store (Google Play Store or Apple App Store).
- Search for “Farmers Signal” and select the app.
- Click on the “Install” button to download and install the app on your smartphone.
Can anyone use Farmers Signal?
Farmers Signal is available for use by Farmers Insurance policyholders in participating states. However, availability may vary, so it’s recommended to check with Farmers Insurance or visit their website for the most up-to-date information.
Is there a cost associated with using Farmers Signal?
No, using Farmers Signal is free of charge. It is an additional service provided by Farmers Insurance to their policyholders.
What benefits can I get from using Farmers Signal?
By using Farmers Signal, you can benefit from:
- Personalized feedback and tips to improve your driving skills.
- Potential discounts on your auto insurance premiums based on your driving performance.
- Insights into your driving behavior and habits, allowing you to become a safer driver.
Can Farmers Insurance track my location at all times?
Farmers Signal tracks your location while the app is active and running in the background, primarily to monitor your driving behavior. Farmers Insurance will handle your data responsibly and in accordance with their privacy policy.
What happens to the data collected by Farmers Signal?
The data collected by Farmers Signal is used to generate your driving score, provide feedback, and determine eligibility for potential discounts. Farmers Insurance will handle your data securely and in compliance with applicable privacy laws and regulations.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Buckeye_in_FL
2 Claims/2 Repairs & no hassles
Mickey_L
Farmers agent poor customer service
slou117
Decent insurance coverage
Mamasanders
Farmers Insurance - Consistently Reliable
emmahenry
Best Insurance company ever
treppers
Worst insurance company i've ever dealt with in my life!
Tywko
Best insurance company
samw2
the best
E92ghost
Farmers, all in one
kdc2285
Farmers