Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 7, 2021

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Key Takeaways

  • The State Farm Drive Safe and Save program is free
  • It utilizes OnStar (which has a subscription fee) or the State Farm app
  • State Farm Drive Safe and Save can net drivers a 50% discount

State Farm Drive Safe and Save is a usage-based discount program that records information in regards to driving habits, and the collected information is sent back to State Farm.

How does State Farm Drive Safe and Save work? Throughout this State Farm car insurance review of their telematics program, we’re going to see how your information is collected and what discounts this information can net you.

Before diving into our State Farm Drive Safe and Save review, type your ZIP code into our free and helpful tool above. With it, you’ll be able to find the most affordable auto insurance quotes in your area.

How does State Farm Drive Safe and Save work?

According to the Colorado Division of Capital Assets, telematics is “a method of monitoring…by using GPS and onboard diagnostics to record movements on a computerized map.”

Unlike many telematics programs, State Farm’s does not require the driver to plug anything into their car. So what does the driver do? Drive Safe and Save utilizes either the vehicle’s active OnStar system or a mobile app.

If the driver operates the vehicle in a safe and responsible manner, they will be rewarded with a car insurance discount tailored to their performance.

Is there a State Farm Drive Safe and Save cheat? No, but these car insurance discounts for driving devices and apps can go a long way to chipping away at premiums.

Let’s compare how much State Farm’s Drive Safe and Save program can save you in comparison to other comparable telematics programs.

Potential Savings by Insurance Provider and Telematics Program
Insurance CompanyProgramDeviceEarned Savings (Up to)
AAAAAADriveMobile App30%
AllstateDrivewiseMobile App25%
American FamilyKnowYourDrivePlug-in40%
EsuranceDriveSenseMobile App30%
Liberty Mutual/SafeCoRightTrackMobile App or Plug-in30%
MetLifeMy JourneyPlug-in30%
MetromileMetromileMobile App60%
Mile AutoMile AutoNeither40%
ProgressiveSnapshotMobile App or Plug-in20%
State FarmDrive Safe & SaveMobile App or Plug-in50%
The HartfordTrueLanePlug-in25%
TravelersIntelliDriveMobile App30%
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As you can see, State Farm offers the highest discount out of all the programs.

Let’s move on to what the Drive Safe and Save program records.

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What does the State Farm Drive Safe and Save program monitor?

State Farm Drive Safe and Save exists to both save you money and put safer drivers on the road. How does it do this? It monitors:

  • Acceleration: Sharp increases in speed will flag the system
  • Braking: Hard braking is flagged
  • Turns: Sharp turns are flagged
  • Speed: Speeds over 80 mph will be flagged
  • Time of day: When you get behind the wheel is recorded
  • Location: Car location is recorded only when Bluetooth and other location services are enabled
  • Mileage: The number of miles driven will be recorded

This is if you are using the mobile app (the most frequently used option). The OnStar system records just odometer information (which could negatively affect discounts received). Furthermore, OnStar costs money.

Is State Farm Drive Safe and Save worth It?

Considering the State Farm Drive Safe and Save program can cut your rates in half, it’s worth it. However, it would be far better to just use the State Farm Drive Safe app as opposed to the costly membership of the OnStar app.

What is the State Farm Drive Safe and Save phone number? For questions about the program, contact 1-888-559-1922.

We hope we have answered the questions you had about the State Farm Drive Safe and Save program. Type your ZIP code into our free and helpful tool below to find the cheapest quotes from companies in your area.