State Farm Drive Safe and Save Review

Drive Safe and Save with State Farm auto insurance accomplishes what its name implies — it gives program participants auto 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 auto insurance policyholders receive a safe driver discount with Drive Safe and Save, regardless of how recklessly they drive. However, the safer you drive, the greater your discount will be. This review will tell you everything you need to know about the pros and cons of the State Farm Drive Safe and Save program.

State Farm Drive Safe and Save Review

The State Farm Drive Safe and Save app evaluates your driving performance, offering savings for safe driving practices, and it’s completely free. It monitors your driving habits through a mobile app and Bluetooth device or OnStar.

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

State Farm Drive Safe and Save also guarantees that all participants will receive a discount on their auto insurance. Other programs don’t 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’s good to note that the Drive Safe and Save program is unavailable to State Farm customers in Massachusetts, Rhode Island, or California. Instead, 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 State Farm Drive Safe and Save Works

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

You can skip the Drive Safe and Save 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.

You will be officially enrolled once you sign and submit the agreement form.

What State Farm Drive Safe and Save Monitors

You now understand how the system operates, but what exactly does the Drive Safe and Save app 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 Drive Safe and Save 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 risk 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 can 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. By obeying the speed limit, you can get a bigger discount through the Drive Safe and Save program.
• Phone use: Even though using a mobile phone while driving is 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, 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 driving safety when renewing your policy using Drive Safe and Save information. Then, it may assign a discount to your insurance, up to 30% off, based on the variables it measures — acceleration, braking, and other benchmarks.

OnStar With State Farm Drive Save and Save

The State Farm Drive Safe and 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 doesn’t produce them.

Drive Safe and 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 get 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 State Farm Drive Safe and Save mobile app might be more advantageous, which has the benefit of being free.

State Farm Drive Safe and Save vs. Popular Competitors

State Farm Drive Safe and 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:

Usage-Based Auto Insurance Savings by Provider

The majority of programs offer feedback on your driving to help you save money and promote driving safety. If you use this information to improve your habits, you can get cheap auto insurance regardless of the company chosen.

Determining Whether State Farm Drive Safe and Save Is Right for You

State Farm Drive Safe and Save is worthwhile if you’re 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 and Save monitor your driving habits.

However, take into account a different telematics program if you’d prefer not to be under constant observation. For example, 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 and Save if:

• Maximizing your auto insurance discount is your main objective. While State Farm Drive Safe and Save monitors your driving, it also allows you to reduce your auto insurance costs by up to 30% or, in some areas, by up to 50%.
• You can operate a vehicle without a phone. Of course, the Drive Safe and Save app uses phone battery. So, it might be worthwhile to look into alternative programs if you frequently use your phone while driving, like delivery and rideshare drivers. 
• You only want one vehicle on your policy. Drive Safe and Safe doesn’t 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. You can receive a discount on your auto insurance by sharing your data through OnStar’s monitoring technology through State Farm Drive Safe and Save.

You shouldn’t consider using State Farm Drive Safe and 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 want more consistency.
• You drive later in the day or take a busy route. Drive Safe and Save includes rush-hour driving in its list of monitored behaviors, unlike most telematics solutions that punish you for late-night driving. If you can’t avoid it, it would be worthwhile to look into alternative programs.
• You’re wondering how to “cheat” Drive Safe and Save. There is no State Farm Drive Safe and Save cheat. The program’s purpose is to allow policyholders to monitor their driving behaviors and earn a discount in return. Attempts to cheat the State Farm Drive Safe and Save program could result in your policy’s termination.

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

Why Drivers Should Choose State Farm Auto Insurance

State Farm customers pay around $105 per month, less than the national average of $119 monthly. The only two insurers that provide lower average rates are USAA auto insurance and Geico auto insurance.

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

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More About Saving With State Farm Drive Safe and Save

Trying State Farm Drive Safe and Save will do more good than harm to your auto insurance rates. Your premiums won’t increase no matter what the Drive Safe and Save beacon’s findings are — you’ll always get auto insurance discounts with the program.

While there’s no risk associated with using the State Farm Drive Safe and Save program, there’s no assurance that you’ll receive the entire 30% discount. Most drivers should continue to unlock between 5% and 10% off their auto insurance rates because the program’s good driver auto insurance discount is something that always builds up over time.

By choosing the Drive Safe and Save program, responsible drivers could receive cheaper State Farm 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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