State Farm Drive Safe and Save Review

Drive Safe & Save with State Farm accomplishes precisely what its name implies — it gives program participants car insurance discounts in exchange for safe driving. This usage-based auto insurance program monitors and grades your driving style using telematics technology. 

State Farm promises that all customers receive a discount, regardless of how recklessly they drive. But the safer you drive, the greater your discount will be. This State Farm Safe and Save review will tell you everything you need to know about the program.

State Farm Drive Safe & Save Review

The State Farm Drive Safe & Save app evaluates your driving performance and offers auto insurance discounts for safe driving practices. It monitors your driving habits through a mobile app and Bluetooth device or OnStar. 

State Farm Drive Safe & Save is a free program that you may sign up for at no additional expense to yourself.

State Farm claims that your discount may exceed 30% in some states and circumstances, but that is the maximum discount for most drivers. 

State Farm Drive Safe & Save also guarantees that all participants will receive a discount on their auto insurance. Other programs do not provide this guarantee. Some only promise that your rates won’t increase, like Liberty Mutual RightTrack, while others, like Progressive Snapshot, don’t even include this assurance.

It is good to note that the Drive Safe & Save program is not offered to State Farm customers in Massachusetts, Rhode Island, or California. These drivers must look into additional State Farm auto insurance discounts or choose a different usage-based auto insurance program from another company to lower their rates.

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How does State Farm Drive Safe & Save work?

Download the State Farm Drive Safe app for free from the App Store or Google Play. The software tracks and receives information about your driving habits from your phone. You must therefore have your Bluetooth and location settings active while you are driving.

You can skip the app and sign up for the program using State Farm’s Drive Safe and Save Connected Car option if you have a Ford or Lincoln that is a 2020 model or newer. Here are directions for State Farm’s Drive Safe and Save Connected Car option:

• Depending on your car’s make, you must connect your car to the “Garage” section of the FordPass or Lincoln Way mobile applications. 
• Let your State Farm representative know you wish to sign up for Drive Safe and Save. 
• When you go to start your car next, an in-vehicle agreement should appear.

Once you sign and submit the agreement form, you will be officially enrolled.

State Farm Tracking Device Reviews 

You now understand how the system operates, but what exactly does Drive Safe and Save track? 

Drive Safe and Save is a usage-based telematics service that keeps track of your driving patterns and mileage. The connected car program or the app will monitor a number of aspects of your driving, including:

• Acceleration. If you accelerate too quickly, you may lose control of your vehicle and run the risk of getting in an accident. Rapid braking and acceleration can both be signs of risky driving techniques. If you keep a safe distance from the car in front of you, you might be able to slow down more smoothly and save money.
• Cornering. Telematics can monitor quick, sharp corners, which are typically not considered to be safe driving practices. You may be less in control of your car when making quick or sudden bends, which could cause accidents.
• Speed. As one of the riskiest driving practices, speeding can result in more frequent and serious accidents. You may be able to get a bigger discount through the Drive Safe and Save program by obeying the speed limit.
• Phone use. Even though using a mobile phone while driving is clearly dangerous, many people continue to do so. When you use your phone, the Drive Safe and Save technology might detect it and lower your earned discount level — utilizing a phone less while driving can increase your State Farm Drive Safe and Save discount while making the roads safer for everyone.

State Farm compiles all these elements and incorporates them into your Drive Safe and Save grades and determines your discount percentage. As a result, you can receive a sizable reduction on your auto insurance rate if you drive carefully and steer clear of dangers like forceful braking and speeding.

State Farm will evaluate your driving safety when renewing your policy using Drive Safe and Save information. It may assign a discount to your insurance, which can be up to 30% off, based on the variables it measures — acceleration, braking, and other benchmarks.

OnStar with State Farm Drive Save & Save

The State Farm Drive Safe & Save OnStar app and beacon device are replaced with OnStar technology to track and reward safe driving. 

OnStar, a division of General Motors, integrates telematics technology and other services into automobiles. However, some automobiles can be fitted with OnStar telematics even if GM does not produce them.

Drive Safe & Save’s OnStar version functions quite similarly to the mobile app version. Either on your mobile app or on your web account page, you enroll your policy, drive, and review your performance. Superior discounts are awarded for better driving performance.

The main distinction is that State Farm now obtains your driving information from OnStar rather than the Drive Safe and Save app. Users must have an active OnStar membership, which ranges in price from $14.99 at the most affordable tier to $44.99 at the most pricey.

We advise weighing the value of the other OnStar features against the cost of OnStar Drive Safe and Save before committing. Otherwise, using the Drive Safe & Save mobile app might be more advantageous, which has the benefit of being free.

State Farm Drive Safe & Save vs. Popular Competitors

State Farm Drive Safe & Save has its key advantages, but how does it line up against other auto insurance company usage-based programs? Check out how State Farm compares to its most popular competitors: 

The majority of programs offer feedback on your driving in an effort to help you save money and promote driving safety. If you use this information to improve your habits, you can save even more regardless of the company chosen.

Is State Farm Drive Safe & Save worth it?

State Farm Drive Safe and Save is worthwhile if you are comfortable enabling your insurance to monitor your driving behavior continuously. You may receive even lower rates from State Farm, which already has some of the most affordable auto insurance policies available, by letting Drive Safe & Save monitor your driving habits.

However, take into account a different telematics program if you’d prefer not to be under constant observation. Progressive Snapshot and Liberty Mutual RightTrack only keep track of users for a short time before applying the savings you’ve accrued to subsequent policy renewals.

You should sign up for State Farm Drive Safe & Save if:

• Maximizing your auto insurance discount is your main objective. While State Farm Drive Safe and Save continuously monitors your driving, it also gives you a chance to reduce your auto insurance costs by up to 30% or, in some areas, by up to 50%.
• You have faith in your abilities to operate a vehicle without a phone. Drive Safe & Save discounts are impacted by phone usage, so it might be worthwhile to look into alternative programs if you frequently use your phone while driving. This includes delivery and rideshare drivers. 
• You want to add just one vehicle to your policy. Drive Safe and Safe does not need you to enroll all of the vehicles and drivers covered by your insurance, though your discount will go up if you do.
• You subscribe to OnStar. By sharing your data through OnStar’s monitoring technology through State Farm Drive Safe and Save, you can receive a discount on your auto insurance.

You shouldn’t consider using State Farm Drive Safe & Save if:

• You want your discount to remain constant. Your discount may vary from term to term since State Farm modifies it based on your performance at each policy period. Choose a program that only monitors for a short time if you’d like more consistency.
• You drive later in the day or take a busy route. Drive Safe & Save includes rush-hour driving in its list of monitored behaviors, unlike the majority of telematics solutions that punish you for late-night driving. If you can’t avoid it, it would be worthwhile to look into alternative programs.

Weigh these pros and cons before you decide to try Drive Safe and Save or other types of usage-based insurance programs.

Why choose State Farm auto insurance?

According to our State Farm auto insurance review, State Farm offers affordable prices. State Farm customers pay around $105 per month, less than the national average of $120 monthly. The only two insurers that provide lower average rates are United Services Automobile Association (USAA) auto insurance and Geico auto insurance.

State Farm offers extremely competitive rates for young drivers, those with a history of accidents, and those with DUI convictions. However, it may be worthwhile to investigate alternative insurers for drivers with poor credit. Drivers with bad credit spend $304 per month with State Farm coverage, over $75 more than the national average.

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State Farm Drive Safe & Save: The Bottom Line 

Let’s simply say that trying Drive Safe and Save will do more good than harm to your auto insurance rates. Your premiums won’t increase no matter what the monitor’s findings are. 

Although there is no risk associated with using the program, there is no assurance that you will receive the entire 30% discount. Most drivers should continue to unlock between 5% and 10% off their auto insurance rates because the discount is always something that will build up over time. 

By choosing the Drive Safe and Save program, responsible drivers could receive a sizable reduction in their insurance costs. If you’re a low-risk driver, use our free tool below to compare multiple usage-based car insurance programs to find the best fit for you.

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