Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Nov 19, 2021

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Key Takeaways

  • You can earn up to a 15% car insurance discount by enrolling in Farmers Signal usage-based insurance program
  • Young drivers can earn an additional 10% discount through the Farmers Signal program
  • Keeping your Signal score at 80% or higher can also earn you up to $100 monthly

Signal by Farmers is a free usage-based insurance (UBI) program offered to customers. In this Farmers Signal car insurance review, discover how to sign up for Farmers Signal to save up to 15% on your car insurance.

Below, we’ll cover how to enroll in the program, what driving behaviors the Signal app tracks, and how it affects your car insurance quotes to help determine the right UBI program for you.

After reading about how to buy Farmers Signal car insurance, find the right coverage for you by entering your ZIP code into our free rate comparison tool above.

What is Farmers Signal car insurance?

Affordable Farmers Signal car insurance is a free usage-based insurance program Farmers Car Insurance Company customers can voluntarily enroll in.

Usually, UBI programs use a mobile app or plug-in device to gather and evaluate different driving behaviors. Farmers Signal relies on a mobile app compatible with Android 7.0 and iOS 12.0 or newer.

Wondering how to sign up for Farmers Signal? New and current customers have to call a Farmers agent directly and ask to enroll in the program.

The agent then sends you a link to download the app. Then, you’re ready to start driving.

You can verify trips and check the status of your discount within the app in real-time.

If you have any questions about how to use the Farmers Signal app, contact an agent over the phone for further assistance.

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How much can I save with Farmers Signal?

Upon enrollment, you’ll receive a 5% initial discount that lasts until your renewal period. After that, your final reward is tallied and applied to your policy. It remains as long as you abide by the terms and conditions.

You can potentially earn up to a 15% reduction with Farmers Signal car insurance rates. In addition, younger drivers between ages 15 and 24 are eligible to earn an additional 10%.

Farmers automatically enters you into monthly sweepstakes if you keep your driving score at 80% or higher. Spin a prize wheel within your mobile app to determine if you’ve won each month.

Prizes include gift cards of up to $100 from various shops, restaurants, and more.

Finally, Farmers also offers CrashAssist within the Signal app, a voluntary benefit program that uses sensors to detect a car crash.

If the app detects an accident, it sends you a push notification. When you confirm it, an emergency responder contacts you. But if you cannot respond, emergency services are sent to your location automatically.

Fortunately, your rates never increase based on your performance during the Signal program. You can also opt out at any time. However, Farmers then removes your discount at your next renewal date.

What driving habits does Farmers Signal program track?

According to the National Association of Insurance Commissioners (NAIC), the original UBI programs tracked only your total number of miles driven.

However, UBI technology has dramatically improved over the past few years. Now, mobile apps accurately monitor more advanced driving behaviors.

Today, driving habits monitored by Farmers Signal car insurance company include focused driving, braking, speed, total miles driven, and the time of day.

Using your phone for any reason while driving will negatively impact your focused driving score.

Touching your screen, making calls or texts, adjusting your navigation, and even changing your music or podcasts are considered distractions and lower your discount amount.

However, automatic text responses do not count as a distraction.

To earn the highest possible discount, Farmers suggest drivers avoid using their phones for any reason. Even if a passenger in your car accesses your phone, it still counts against your discount.

Is Signal by Farmers worth it?

Signal by Farmers is worthwhile for many drivers. Not only is it a free program, but it won’t cause your rates to increase for poor driving.

Plus, you get additional benefits, like participation in monthly sweepstakes and the optional CrashAssist program.

While 15% is not the highest UBI discount amount that leading car insurance companies offer, the additional benefits make up for it.

Farmers Signal is ideal if you’re already a Farmers customer, especially if you have drivers under the age of 25 on your policy.

But because any phone use negatively impacts your score, including changing your music or podcasts, some drivers might struggle to earn a substantial rate reduction.

When it comes to privacy, the Farmers Signal app privacy policy does state that it may share your data with affiliates, business partners, or users for research purposes.

But in those scenarios, the data is anonymized and aggregated, protecting your individual privacy. This is not unusual for UBI programs. If some users may feel uncomfortable with this, avoid enrolling in the program.

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Farmers Signal Car Insurance Review: The Bottom Line

Ultimately, if you’re already a Farmers customer, consider enrolling in the Signal program to earn a discount on car insurance.

Your insurance rates won’t increase due to participating, but you’ll earn at least a temporary discount and gain access to monthly sweepstakes and CrashAssist.

Plus, young drivers can earn an additional 10% savings. However, it’s always worth shopping around and comparing companies and UBI programs to determine the cheapest option for you.

Learn more about ​​Farmers Signal car insurance quotes and find the best coverage for you by entering your ZIP code into our free rate comparison tool below.