Allstate Drivewise vs. Farmers Signal: Which Service Is the Best (2024)
Navigating Allstate Drivewise vs. Farmers Signal: A Detailed Analysis of Usage-Based Insurance Programs for Safe Drivers. Unveiling the intricate features, compelling benefits, and comprehensive coverage options provided by these innovative programs. Gain valuable insights to empower your decision-making process when selecting the ideal car insurance solution that aligns with your specific needs and driving habits.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Nov 28, 2023
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 28, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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What are Allstate Drivewise and Farmers Signal?
Allstate Drivewise and Farmers Signal are both usage-based insurance programs. Both of these programs track your vehicle usage to help safe drivers lower their car insurance rates.
Usage-based insurance typically uses GPS, cellular, or other types of technology to track driving behaviors, such as speed, hard braking or cornering, miles driven, what times of the day you drive, and if you use your phone while driving.
While both Allstate Drivewise and Farmers Signal use an app to track your driving behaviors, some programs can use systems already built into your car, a device that is plugged into your car, or a device that is installed and connects to your phone via Bluetooth.
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Who can earn discounts with usage-based insurance?
Usage-based insurance may be a good option for safe drivers. Some usage-based insurance programs will offer a discount just for joining their programs. Others will offer rewards after a specific review period.
Allstate Drivewise car insurance offers cash back rewards for signing up and then every six months after that for safe driving as a component of the Allstate Drivewise car insurance discount. You can also complete safe driving challenges to earn Allstate Rewards.
Allstate will reward those who generally drive under 80 mph, make minimal abrupt stops, and limit their late-night driving.
Signal by Farmers offers up to 5 percent off when you first sign up for the program. You then have the opportunity to earn up to 15 percent off at policy renewal and an additional 10 percent off when you add a relative to your insurance policy who is under 25 years old.
The Farmers Signal app will monitor more general driving behavior, so overall safe drivers are likely to benefit from the program.
Usage-based insurance may not be the best choice for those who have a “lead foot” or those who drive at higher speeds, brake hard, or have previous traffic violations.
If this sounds like you, signing up for usage-based insurance may help you improve your safe driving, but if you don’t meet the program’s driving standards, it may not decrease your rates — it may even increase your rates at review time.
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Do customers like usage-based insurance?
There are a few concerns when it comes to using usage-based insurance. While many consumers say they would use one, many don’t. The main reason is the lack of knowledge across the industry about usage-based insurance.
Consumers often don’t know about telematics (the technology used to record and monitor your driving behaviors), and even insurance agents or customer service representatives feel a lack of knowledge in this area. Therefore, the programs often don’t get discussed.
On the other hand, some consumers are also concerned about privacy while using a monitoring device or app. However, many of these concerns are overshadowed by the fact that the program can earn discounts.
Who has more affordable car insurance rates?
Let’s take a look at Allstate vs. Farmers average annual car insurance rates to compare:
Age, Gender, and Marital Status | Allstate Average Annual Car Insurance Rates | Farmers Average Annual Car Insurance Rates |
---|---|---|
Single 17-year-old female | $9,282.19 | $8,521.97 |
Single 17-year-old male | $10,642.53 | $9,144.04 |
Single 25-year-old female | $3,424.87 | $2,946.80 |
Single 25-year-old male | $3,570.93 | $3,041.44 |
Married 35-year-old female | $3,156.09 | $2,556.98 |
Married 35-year-old male | $3,123.01 | $2,557.75 |
Married 60-year-old female | $2,913.37 | $2,336.80 |
Married 60-year-old male | $2,990.64 | $2,448.39 |
In most cases, it seems Allstate car insurance rates would be more expensive than Farmers car insurance rates. However, you should consider which discounts you would be eligible for through each company.
Allstate offers the following discounts: anti-lock brake discount, anti-theft device discount, multiple policy discount, early signing discount, good payer discount, student discounts, new car discount, automatic payment discount, paperless discount, paid-in-full discount, and safe driver discount.
Farmers is not as transparent about what discounts they offer, but some sources report they offer some of the same discounts as Allstate, plus defensive driving discounts and multi-car discounts.
Read more: Farmers Insurance Signal Car Insurance Discount
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How do experts rate Allstate Drivewise vs. Farmers Signal insurance?
Allstate has an A+ rating from the BBB. They have closed 469 customer complaints in the last year, and they have a 1.19/5 star rating.
Allstate also has a 1.88 complaint index from NAIC, which is higher than the national average of 1.00. This means they get more complaints than other companies of a similar size.
Farmers also has an A+ rating from the BBB. They have only seven customer complaints closed in the last year, with a 1/5 star rating.
Farmers’ complaint index is at 1.08, which puts them just slightly above the national average of 1.00.
A.M. Best has given Allstate’s long-term and short-term credit ratings an a- and AMB-1+, respectively. This means the company has an excellent likelihood of being able to meet its financial obligations.
Farmer’s parent company, Zurich Insurance Group Ltd, has a long-term credit rating of a-, meaning it also has an excellent ability to meet its financial obligations.
How can I get quotes?
Allstate car insurance quotes can be found by contacting an agent. If you already have a policy with Allstate, you can use your Allstate login to locate your agent contact information.
You can also receive a quote from Allstate using the online quote tool on their website (www.allstate.com). You will need to provide your personal and vehicle information.
For questions regarding Allstate Drivewise, you can call (877) 431-7670.
Farmers car insurance quotes can be found by using the free online quote tool on their website (www.farmers.com). You will, again, need to provide your personal and vehicle information.
Our Recommendation: Allstate Drivewise vs. Farmers Signal Insurance
The car insurance company choose will depend on your specific situation. However, choosing between Allstate Drivewise and Farmers Signal, we recommend Farmers based on lower average rates and fewer customer complaints.
Both programs, however, are similar in that they use your driving behaviors to earn discounts on your car insurance premiums. The main difference would be your overall insurance coverage with the company and the customer service experience.
If you need help finding affordable car insurance, enter your ZIP code into our free quote comparison tool below.
Frequently Asked Questions
What is Allstate Drivewise?
Allstate Drivewise is a usage-based insurance program offered by Allstate that tracks your driving behavior through a mobile app or a device that you plug into your car. By monitoring your driving, Allstate Drivewise rewards safe driving habits with discounts on your insurance premiums.
How does Allstate Drivewise work?
Allstate Drivewise tracks your driving behavior using either a mobile app or a device that you plug into your car. The program monitors your speed, braking, time of day, and other factors to determine your driving score. Safe drivers who score well on their driving habits can earn discounts on their insurance premiums.
What is Farmers Signal?
Farmers Signal is a usage-based insurance program offered by Farmers Insurance that tracks your driving behavior through a mobile app. Like Allstate Drivewise, Farmers Signal rewards safe driving habits with discounts on your insurance premiums.
How does Farmers Signal work?
Farmers Signal tracks your driving behavior using a mobile app. The app monitors your speed, braking, time of day, and other factors to determine your driving score. Safe drivers who score well on their driving habits can earn discounts on their insurance premiums.
How do Allstate Drivewise and Farmers Signal differ?
Allstate Drivewise and Farmers Signal are similar in that they are both usage-based insurance programs that reward safe driving habits with discounts on your insurance premiums. However, there are a few differences between the two programs. For example, Allstate Drivewise offers the option of using a device that you plug into your car, while Farmers Signal only uses a mobile app. Additionally, the discounts offered by each program may vary.
What factors do Allstate Drivewise and Farmers Signal consider when determining my driving score?
Allstate Drivewise and Farmers Signal consider a range of factors when determining your driving score, including your speed, braking, time of day, and the number of miles you drive. Other factors that may be considered include how often you use your phone while driving and how aggressively you accelerate.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.