Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jul 29, 2021

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The Short of It

  • You can save up to 15% on your car insurance with Farmers Signal
  • You get an extra 5% discount just for signing up
  • The Farmers Signal app monitors your driving and issues your discount based on how well you do in certain categories
  • Farmers won’t raise your rates for poor driving

These days most auto insurance companies offer auto insurance discounts based on your driving. Signal by Farmers monitors certain driving behaviors and offers a discount on your car insurance based on how well you score.

If you have good driving habits and drive during certain times of the day, you can save up to 15% on your Farmers Signal auto insurance rates.

Keep reading to learn more about Farmers Signal auto insurance and see if you can save. Before you go on, enter your ZIP code to compare free auto insurance quotes from multiple companies in your area.

How does Farmers Signal work?

Signal is the telematics offering from Farmers that offers you discounts based on your driving habits. The amount you save is totally determined by you, so better driving equals more savings.

While you can’t get Farmers Signal auto insurance quotes, your rates won’t go up with the program.

You can get a 5% discount just for signing up and then up to a 15% discount when you renew. There is even an additional discount if you sign up the young drivers in your household.

Signal is free and easy to use. Have your agent add Signal to your policy. Then, simply download the app to your smartphone and log in.

The app stays running in the background and tracks your driving. Signal then downloads the data once you are back on WiFi.

The downside of a program like Signal is that your data is recorded. Some drivers may value their privacy more than a discount.

You have to use the app for at least 10 drives in order for the discount to be calculated. The best part is that Farmers won’t raise your rates if your score isn’t that great.

In addition to lowering your auto insurance rates, you can increase your safety. According to the Centers for Disease Control (CDC), eight people die every day from distracted driving.

A program like Signal makes drivers more aware and cuts down on distracted driving.

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What driving habits does the Farmers Signal app monitor?

The Farmers Insurance Signal app monitors several behaviors in order to calculate your discount.

Signal looks at:

  • Time of day you drive – Driving during rush hour increases your chances of an accident.
  • Miles driven – More miles on the road equals a greater chance of being in an accident.
  • Hard braking – This can cause you to get in accidents and be rear-ended. If you hard brake a lot, it can show that you generally aren’t paying attention to your driving.
  • Speed – Speeding can cause accidents, not to mention tickets. The app monitors how well you’re obeying the the speed limit.
  • Distracted driving – Distracted driving is a big problem that causes a lot of accidents. Signal records any time you use your phone while driving.

Once your drive is over, Farmers Signal creates a detailed map of your trip, including any spots where your driving was problematic. This is a great way to improve your driving skills.

You can also go into the Signal app to designate yourself a passenger rather than the driver if you aren’t driving or let Farmers know if the app isn’t recording correctly. This helps you keep your score up.

If your driving habits are good, you should be be able to get affordable Farmers Signal auto insurance.

Is Signal by Farmers worth it?

Farmers Signal gives you discounts based on your driving. You control how much you save.

The pros for Signal are that the program is free, easy to use, and won’t raise your rates if you score poorly.

Cons include your data being recorded and the fact that Signal isn’t available everywhere.

Farmers is one of the top auto insurance companies in the country. It offers many different types of coverage and discounts to help you get low rates on the coverage you need. Read our Farmers auto insurance review to learn more.

Before you buy Farmers Signal auto insurance, consider that many other companies offer similar programs. Shop around to make sure Signal is the best deal for you.

Now that you’ve learned about Farmers Signal, you can decide if the program is right for you. Enter your ZIP code now to compare car insurance quotes from companies near you for free.