Drive Towards Savings with Signal® 

Farmers auto policyholders can use the Signal app for an opportunity to earn an initial 5% discount for safe driving and up to 15% each time your policy renews*. You can save another 10% by enrolling drivers under 25 in your household.**

Enroll. Download. Drive.

Step 1: Talk to your Farmers agent or call 1-800-709-7821 and ask to enroll in Signal 

Step 2: Download the app from the link we text to you 

Step 3: Start driving and start saving 

More rewards

 With Signal you can be eligible to win up to $100 in rewards each month***, just for keeping your focused driving score at 80% or better.

Learn more about Signal

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Frequently Asked Questions

Signal is a smartphone app that helps customers  save money while tracking their driving behavior. Signal can help you become a more focused driver by encouraging you to put down the phone and practice safer habits. Call your Farmers®  agent today to drive towards savings with Signal  and a chance to win monetary prizes.  ***


Customers that enroll in Signal and track a qualifying number of drives, can qualify for an initial discount of 5% on premium. Keep tracking your driving, and you may earn a discount of up to 15% at your next policy renewal. * Drivers under 25 may earn even greater savings with Signal.  **

If you have a driver aged 15 to 24 in your household, that driver can enroll in the Signal program. Once the youthful driver is active in the program and at least one driver has met the qualification requirements, you will qualify for the additional youthful driver component of the Signal discount. If you have more than one youthful driver in the household who enrolls and is active, you will only receive a single youthful driver discount amount based on the age of the youngest youthful driver.

Any active Signal driver age 18 or older will automatically be entered for a chance to win a prize in any month they have a focused driving score of 80 or better. Prizes are revealed at the end of every month by launching the app to spin the wheel to see if you’ve won. Winners can redeem their prizes through a selection of gift cards.

We offer gift cards for a variety of merchants to help provide choices for drivers. Our selection of merchants may change from time to time based on customer demand.

What you can earn with Signal:

  • 5% discount for using Signal *
  • Up to 15% renewal discount
  • Up to another 10% for young drivers **
  • Eligible to win a monthly monetary reward when 80% or better focused driving score on last day of each month


Monitoring your driving behavior helps provide you with insights related to your driving.  Signal monitors the following driving behaviors for renewal discount purposes: distraction from phone use, braking, speeding, when you drive—whether in rush hour or light traffic—and how many miles you cover. You can compare your driving behaviors to the average driving behaviors for other drivers.

Signal provides an initial discount once at least one driver has met the qualification requirements. At renewal, you and your fellow household drivers have the opportunity to increase your discount by maximizing participation from all household drivers and improving your driving behaviors. The Signal renewal discount may increase or decrease based on the driving behavior results of all applicable drivers using the app.

Driving behaviors that factor into determining your discount include:

  • Focused Driving
  • Hard Brakes
  • Excessive Speed
  • Time of Day
  • Total Mileage

Note: Signal looks at the big picture of your driving habits. As more trips are captured, your driving behavior results will become even more in line with your overall driving patterns.  


Signal requires specific hardware and sensors for the app to function, such as location, network, an accelerometer, and a gyroscope. If the device does not meet the minimum standards, it cannot be used to participate in this program. In addition, the phone must be able to operate on Android 7.0 or newer or iOS 12.0 or newer.

Signal has access to two types of personal information. The first includes details you provided when you first enrolled in the program. The second is data Signal actively gathers to provide insights about your driving style. All information collected from the Signal app will be treated in accordance with the Signal Privacy Policy and the Farmers® Privacy Policy.

The Signal app is designed to run in the background and use minimal battery power. Battery usage can vary based on a couple of different variables, such as smartphone model and age of the phone. While recording trips, it uses less than 2% of your battery. Signal will stop collecting data when your remaining battery power falls below 10%.

No, Signal is designed to minimize the use of cellular data. Instead of using your cellular network to transmit most driving behavior results, Signal stores the data on your phone and transmits it only after a secure Wi-Fi connection is established. Brief trip summaries sent back to your phone may occur over Wi-Fi or cellular connections. Keeping Wi-Fi enabled helps reduce data usage and improve location accuracy and trip capture.

Yes. The Signal app will not prevent you from using your phone at any time. However, we recommend focusing on the road when you’re driving as this usage can negatively affect your focused driving score.

CrashAssist is a voluntary feature included within the Signal app that uses the sensors in your mobile device to detect when a car crash may have occurred. If a potential crash is detected, the Signal app will send a push notification to verify if there has been a crash. If you confirm a crash has occurred and you need assistance, an emergency responder will contact you. If you are unable to respond, we will request emergency services at your location.

* Signal® is not available in Hawaii, New York, & South Carolina. The Signal discount is not available in California. 

The following paragraph applies in all states where the Signal discount is available except for:

• Louisiana, Massachusetts, Mississippi, Missouri North Carolina, and Oregon 

• New business policies written in Colorado, Indiana, Kansas, Minnesota, and Nevada after May 22, 2021

•Farmers® Smart Plan Auto policies in Arizona, Iowa, Kentucky, Ohio, Oklahoma, Pennsylvania, Texas, and Utah

• Farmers® Smart Plan Auto 2.0 policies in Illinois

Once you enroll in Signal by Farmers® and complete 10 qualifying trips using the app, where applicable, you will receive an initial 5% discount on your Farmers Insurance® auto policy. Only one discount can be applied per policy, regardless of the number of enrolled drivers who complete the qualification requirements.

The following paragraph only applies for:

• Louisiana, Massachusetts, Mississippi, Missouri, North Carolina, and Oregon 

• New business policies written in Colorado, Indiana, Kansas, Minnesota, and Nevada after May 22, 2021 

• Farmers® Smart Plan Auto policies in Arizona, Iowa, Kentucky, Ohio, Oklahoma, Pennsylvania, Texas, and Utah

• Farmers® Smart Plan Auto 2.0 policies in Illinois  

Once you enroll in Signal by Farmers, you will receive an initial 5% discount on your Farmers Insurance auto policy. Only one discount can be applied per policy, regardless of the number of enrolled drivers who complete the qualification requirements. If an enrolled driver does not complete 10 trips with the app within 30 days after completing enrollment when applicable, the initial discount will be removed back to the enrollment date.

For all states where a Signal discount is available, at renewal, the Signal discount may increase or decrease based on the percentage of enrolled drivers on your auto policy using the app and their driving scores. Your renewal discount could range from 0.5% to 15%, except in Colorado where your renewal discount can range from 0.5% to 20% and in Florida and North Carolina where your renewal discount will be 5%.

Restrictions apply. Discounts may vary. Not available in all states. See your agent for details. Insurance is underwritten by Farmers Insurance Exchange and other affiliated insurance entities. Visit for a complete listing of entities. Not all insurers are authorized to provide insurance in all states. Coverage is not available in all states.

** The youthful driver component of the Signal discount could range from 2.5% to 10%, except in Utah where the youthful driver component can range from 1.5% to 5% for FA2.5 policies. The overall Signal discount will display as one discount because the youthful driver portion of the discount is not broken out separately. The youthful driver component is not available in Florida and North Carolina.

*** NO PURCHASE NECESSARY. VOID WHERE PROHIBITED BY LAW. A PURCHASE OF ANY KIND WILL NOT INCREASE YOUR CHANCES OF WINNING. Sweepstakes start at 9:00 a.m. PT on the first day of each month and end at 11:59 p.m. PT on the last day of each month. Open to legal residents, age 18 or older at the time of entry, in each of the following states: Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Louisiana, Massachusetts, Maryland, Michigan, Missouri, Montana, North Dakota, Nebraska, New Jersey, New Mexico, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming. Odds of winning depend on the number of eligible entries received. For complete details and full Official Sweepstakes Rules, eligibility, prize disclosures, and to enter the alternative entry, visit Signal Rewards Sweepstakes Official Rules. Sponsored by Farmers Group, Inc., 6301 Owensmouth Ave., Woodland Hills, CA 91367.