State Farm Drive Safe and Save Review
State Farm Drive Safe & Save app helps drivers earn car insurance discounts for safe driving. The company advertises up to 30% off for the best drivers.
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UPDATED: Dec 19, 2022
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 19, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- For some drivers, State Farm advertises reductions of up to 30%
- To receive these remarkable savings, you must consent to ongoing performance monitoring, which can sap your phone’s battery and pose privacy issues
- Bad driving habits like using a phone or driving during rush hour could reduce your discount
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.
Table of Contents
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:
Insurance Company | Program | Device | Enrollment Discount (Up to) | Earned Savings (Up to) |
---|---|---|---|---|
AAA | AAADrive | Mobile App | 15% | 30% |
Allstate | Drivewise | Mobile App | 3% | 15% |
American Family | KnowYourDrive | Mobile App or Plug-in | 5% | 20% |
Esurance | DriveSense | Mobile App | 5% | 30% |
Geico | DriveEasy | Mobile App | - | 20% |
Liberty Mutual/SafeCo | RightTrack | Mobile App or Plug-in | 5% and up | 30% |
MetLife | My Journey | Plug-in | 10% | 30% |
Metromile | Metromile | Mobile App | - | 60% |
Mile Auto | Mile Auto | Neither | - | 40% |
Nationwide | SmartRide | Mobile App or Plug-in | 10% | 40% |
Progressive | Snapshot | Mobile App or Plug-in | average of $25 | 20% |
State Farm | Drive Safe & Save | Mobile App or Plug-in | 5% | 30% |
The Hartford | TrueLane | Plug-in | 5% | 25% |
Travelers | IntelliDrive | Mobile App | 10% | 20% |
USAA | SafePilot | Mobile App | 5% | 20% |
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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.
Frequently Asked Questions
How much is the State Farm safe driver discount?
State Farm offers a 10% initial discount for enrolling in the program and claims that good habits can help customers save up to 30% on their auto insurance. However, it’s likely that most drivers won’t qualify for the full Drive Safe & Save discount.
Is your speed tracked by Drive Safe and Save?
Drive Safe & Save monitors a variety of variables, including your speed. Additionally, the State Farm drive safe app tracks actions like braking, turning, and accelerating.
With the Drive Safe & Save app, how much money can you save?
Your driving habits will determine how Drive Safe & Save works. According to State Farm’s advertising, drivers can save up to 30%. You might save significantly less or even pay higher premiums depending on your driving habits. Before enrolling in the program, take caution, as this is something that numerous Drive Safe & Save reviews mention happening.
Will State Farm Drive Safe & Save work with young drivers?
Young drivers may also benefit from usage-based insurance. State Farm’s program could provide you with an informal means of knowing how well your teen or young adult driver is doing behind the wheel so you can assist them in becoming safer and more knowledgeable drivers.
Can your insurance rates go up while using State Farm Drive Safe & Save?
Your premium will only go up if you drive more than the State Farm low-mileage discount (under 7,500 miles annually). You might forfeit the discount in this situation. Your participation discount will probably be lost if you don’t receive a discount from the program.
Is it possible to cheat the system with State Farm Drive Safe & Save?
Drive Safe and Save uses your actual driving patterns to determine if you are eligible for a discount and how much of a discount to give you. The program is designed to help you better understand your driving habits and even improve them. Attempting to cheat the program will only cheat you out of learning safer driving skills. Worse, cheating the program and reporting false data could result in the termination of your entire policy if the company deems it as misrepresentation.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.