Farmers Signal App Review for 2026

Are you a Farmers Car Insurance customer looking to save more money on your policy each month? You need to learn more about Signal by Farmers.

The Farmers Insurance Signal app allows Farmers customers to earn rewards that translate into discount auto insurance just for driving more safely.

Keep reading to learn more about how the app works and how you can add the Farmers Signal app to your policy today!

In search of new auto insurance or just wanting to make sure you still have the best rates available? Enter your ZIP code above to see the best auto insurance providers in your area.

What is Farmers Insurance Signal app?

Farmers Signal is a mobile app designed by Farmers Insurance to monitor driving and help safe drivers earn rewards and discounts on your policy. The app is free to download and works in the background as you drive, monitoring your driving.

At the end of the month, you will receive a discount based on your driving behaviors.

The point of the Farmers Signal app and others like it is to promote good driving behaviors. One of the primary driving behaviors that these apps target is distracted driving.

According to the CDC distracted driving is a significant contributor to fatal crashes. In 2018, over 2800 people died in crashes where distracted driving was a factor.

To combat this, Signal will reward you for not interacting with your phone while driving. We’ll get into just how detailed the monitoring goes a little later.

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How do I get the Farmers Signal app?

Getting the app and associated discounts is actually very easy. If you already have Farmers auto insurance, just contact your insurance agent or call customer service, and they will add the Signal program to your insurance policy. See how it will affect your Farmers auto insurance rates.

Then you just download the app, log in, and you’re ready to go.

To help you earn rewards, you can have everyone on your policy add the app to their phones, and ensure their good driving behaviors are recorded.

Read more: Farmers Auto Insurance Review

What does Farmers Signal monitor?

There are five primary things that Farmers Signal uses to determine your discount each month:

• Focused driving
• Hard brakes
• Excessive speed
• Time of day
• Total mileage

The reason that these five behaviors are chosen is that they all have a direct correlation to an increased likelihood of car crashes.

Focused Driving

We talked about distracted driving behaviors above, but let’s get into the specifics of how Signal monitors this potentially dangerous behavior.

Signal actually has the ability to distinguish when you have your phone in hand and when you are using Bluetooth technology to interact with your phone hands-free, such as taking phone calls.

Both of these things will contribute to your end-of-month driving behaviors, but to a different degree.

Hard Brakes

Signal uses its ability to detect changes in your speed to monitor this particular behavior. If you are consistently having to brake hard, that can be a sign of tailgating, speeding, or other reactive driving.

The app encourages you to reduce heavy braking and utilize more defensive driving by slowing down more gently at stoplights and signs and keeping a safe distance between yourself and other drivers.

Excessive Speed

It may seem obvious how excessive speed is a dangerous activity, after all, that is why speed limits exist. Signal is programmed to monitor your speed and compare it to posted limits.

There is a threshold in place, to allow you some buffer and ensure you are not penalized for minor differences in speed, but instead focus on remaining within posted speed limits.

Time of Day

There are certain times of day that are more accident-prone. These are the early morning, rush hour, and late at night. Generally avoiding these times of day can help to prevent an accident.

Total Mileage

This may seem like an odd thing to monitor at first, but the reason why Signal does is actually very simple. The more you drive, the more likely it is that you will be in an accident.

Farmers Signal app review: What’s the bottom line?

If you are already a Farmers Insurance customer, adding the Signal app to your policy is a win-win scenario.

It will allow you to diagnose bad driving behavior you may not know you have, keeping you and your loved ones safe while on the road, and at the same time saving you money.

The app is a particular benefit if you have young drivers joining your policy. You can see their driving behaviors, teach them safer driving habits, and monitor their progress.

Do you need more than a discount? If you are looking for more affordable insurance, enter your ZIP code below and find local auto insurance rates that fit your budget.