State Farm Drive Safe & Save Review (2021)

State Farm Drive Safe & Save or OnStar is State Farm's usage-based insurance program. With the Drive Safe & Save app or an enabled and active OnStar subscription, State Farm pulls tracked driving data, including your speed, acceleration, braking, and when and where you drive to calculate your discount. You’ll receive an initial 5% for enrolling in the program, and up to an additional 30% off your State Farm monthly rates, based on your driving habits.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 (BBB A+). 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 and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 14, 2021

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Company Details
Address: One State Farm Plaza
City: Bloomington
State: IL
ZIP Code: 61710
Phone Number: (309) 766-2311
AM Best Rating: A++
Company Rating 0 (0 reviews)

When you’re looking for cheap auto insurance, one option is to consider usage-based insurance and rewards programs. Whether you’ve done some research of your own or recently heard from Jake from State Farm, you’re probably familiar with the State Farm Drive Safe & Save or OnStar program.

So what is the State Farm Drive Safe & Save or OnStar auto insurance program? Can you obtain affordable State Farm Drive Safe & Save or OnStar auto insurance? How much can you save, and is it worth it? Read this review to find out.

Before we dive into the State Farm Drive Safe & Save or OnStar review, take a few minutes to use your ZIP code in the free tool on this page to start getting car insurance quotes from companies in your area right now.

What is State Farm Drive Safe & Save, and how does it work?

State Farm Drive Safe & Save or OnStar is State Farm’s usage-based insurance program, which offers enrolled drivers the opportunity to obtain discounts based on their unique driving habits. These habits are tracked either through the Drive Safe & Save app or OnStar (when it’s enabled on the vehicle).

Any State Farm insured is eligible for the program, and all you need to do to enroll is download the app or speak with an insurance agent about using your OnStar-enabled vehicle (specifics for your situation may vary depending on available OnStar plans and which you currently have; you may also need your OnStar login to get started).

Once you have the app and have enrolled, State Farm will send you a Bluetooth mobile beacon, which you’ll need to place in your vehicle (no installation is required) for the app to connect and begin tracking your driving habits.

So what exactly does the Drive Safe & Save app track and record? State Farm uses a number of factors to determine your discount, including:

  • Acceleration, braking, and sharp turns (these are indicators of aggressive driving, which can count against you)
  • Mileage (the less you drive, the more you can save)
  • Speed (follow all posted speed limits and avoid spending time driving over 80 MPH)
  • Time of day (driving at night, particularly between midnight and 5:00 a.m. is considered risky)
  • Location (staying local is considered lower risk)

This data is used to generate a “grade” for your driving, which is then used to calculate your discount for the policy period.

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How much can you save with the Drive Safe & Save program, and is it worth it?

You won’t find published State Farm Drive Safe & Save or Onstar auto insurance quotes or State Farm Drive Safe & Save or Onstar auto insurance rates because the numbers are based on your unique driving habits, but there are published discount numbers.

Like most usage-based insurance programs, Drive Safe & Save has an initial enrollment discount. In this case, you’ll save an estimated 5 percent for enrollment. You can save up to an additional 30 percent based on your tracked driving behavior, which will be applied at your next policy renewal.

So what’s the downside to all of this? Some consider telematics technology to be an invasion of privacy because it tracks data about where, when, and how you drive.

To combat this potential privacy issue, or at least give customers the ability to make informed decisions, the Insurance Information Institute reports that many states have begun enacting laws that require companies like State Farm to be very specific about how customer data is tracked, stored, and used.

If at any point you decide to cancel your Drive Safe & Save enrollment, all you need to do is go online and use your State Farm login to access your account or give your insurance agent a call.

State Farm Drive Safe & Save: The Bottom Line

If you want to buy State Farm Drive Safe & Save or Onstar auto insurance, all you need to do is speak with a licensed State Farm insurance agent. You’ll receive an initial 5 percent discount for enrolling and up to 30 percent off your monthly rates at your next policy renewal.

Wondering if State Farm insurance has the right car insurance for your needs? Check out our State Farm auto insurance review to help you decide.

Before you leave this State Farm Drive Safe & Save or OnStar review, why not use your ZIP code in our free tool to start comparing car insurance rates from companies near you today?

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