State Farm Drive Safe & Save Review: Can you get affordable auto insurance? (2026)
State Farm Drive Safe & Save is a usage-based auto insurance program that promises savings of up to 30%. The State Farm Drive Safe & Save beacon collects driving data and connects to the Drive Safe & Save app. Read on to learn more about the pros and cons of Drive Safe & Save.
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Former Licensed Insurance Producer
Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...
Laura Berry
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Jeff Root
Updated November 2024
- State Farm is one of the top insurance companies in the United States
- You can save up to 30% on car insurance when you use State Farm Drive Safe & Save
- State Farm is one of the cheapest insurance companies
State Farm Drive Safe & Save is a program for State Farm auto insurance customers that allow the company to monitor their driving habits and save on car insurance.
In our State Farm Drive Safe & Save review, we’ll discuss how Drive Safe & Save works, the pros and cons of Drive Safe & Save, and State Farm Drive Safe & Save reviews from customers.
Understanding auto insurance programs like Drive Safe & Save is key to getting the best discounts, so read on to learn more. Check out our State Farm auto insurance review if you’re thinking about switching to State Farm and you want to know more.
Before you learn about Drive Safe & Save from State Farm, see how much just shopping around could save you. You can find cheap car insurance quotes in your local area by using our free comparison tool. Just enter your ZIP code above.
State Farm Drive Safe & Save Review
Drive Safe & Save is a usage-based insurance program that monitors the driving habits of State Farm customers. Customers will have to install a beacon in their car and download the Drive Safe & Save app from State Farm.
The purpose of this Drive Safe beacon is to reward safe and cautious State Farm drivers with auto insurance discounts. The Drive Safe & Save discount is up to 30%. You can save even more by using an auto insurance discount checklist.
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How State Farm Drive Safe & Save Works
Once you sign up for Drive Safe & Save, install the State Farm auto insurance app onto your Android or Apple device. Unlike other telematics, the Drive Safe & Save doesn’t plug into an On-Board Diagnostic (OBD1/OBD2) port. Instead, State Farm will send you a Bluetooth beacon that connects to your smart device.
If your vehicle has OnStar, you can connect your Drive Safe & Save mobile app using the OnStar device in your car. Be cautious of any Drive Safe & Save in State Farm reviews that discuss cheats. It’s a quick way to lose your discounts or even your policy.
Does Drive Safe & Save can track your location is a common question addressed in user feedback. Monitoring your State Farm Drive Safe and Save grades through the app helps accurately track your driving performance.
State Farm Drive Safe & Save App Reviews
State Farm Drive Safe & Save beacon reviews from 2017 through 2019 will vary. As technology improves, hardware and software demand improvements. Rather than look back at old reviews, we will look at Drive Safe & Save current ratings.
A.M. Best confirmed State Farm’s rating as “A++,” which is the highest rating possible. The “A++” rating means State Farm has a superior financial condition and superior ability to meet obligations to its customers.
What about the Drive Safe & Save mobile app reviews? State Farm can be downloaded using the Google Play Store and Apple App Store. About 24,000 State Farm customers have rated Drive Safe & Save as 3.8 out of five stars in the Google Play Store.
Over 60,000 customers in the Apple App Store rated Drive Safe & Save as 4.5 out of five. Drive Safe & Save is also ranked number 25 in the Apple App Store travel category.
Pros and Cons of Drive Safe & Save
You can save up to 30% on affordable liability auto insurance coverage or affordable full coverage auto insurance with Drive Safe & Save. That’s not including other deals you could get from State Farm. This program can ultimately help you become a better and more cautious driver.
However, we should note that State Farm’s Drive Safe & Save beacon does come with privacy concerns, as you’ll be sharing your comings and goings with the insurer.
In recent years, there have been more frequent complaints that the State Farm beacon app is not working correctly. If you exceed State Farm mileage brackets, your annual premiums could increase.
Find auto insurance quotes online in your area by using our FREE comparison tool. Enter your ZIP code now to find affordable car insurance.
State Farm Discounts
The best affordable auto insurance companies have several ways you can save. If Drive Safe & Save doesn’t save you enough money on car insurance, start looking at other discounts to add to your savings. Here’s a more detailed list of State Farm discounts you could utilize.
State Farm Auto Insurance Discounts Offered| State Farm Auto Insurance Discounts | Percentage Savings on Annual Rates |
|---|---|
| Anti-lock Brakes | 5% |
| Anti-Theft | 15% |
| Claim Free | 15% |
| Defensive Driver | 5% |
| Distant Student | speak with your agent to learn more |
| Driver's Ed | 15% |
| Driving Device/App | 50% |
| Good Credit | speak with your agent to learn more |
| Good Student | 25% |
| Homeowner | 3% |
| Low Mileage | 30% |
| Married | speak with your agent to learn more |
| Military | speak with your agent to learn more |
| Multiple Policies | 17% |
| Multiple Vehicles | 20% |
| Newer Vehicle | 40% |
| Paperless/Auto Billing | $2 |
| Passive Restraint | 40% |
| Safe Driver | 15% |
| Vehicle Recovery | 5% |
It appears that Drive Safe & Save has the highest discount savings you can get from State Farm. Your driving record can also impact your State Farm rates.
The cheapest car insurance rates are available for drivers with a clean driving record. Parking tickets don’t affect your driving record, but accidents, DUI convictions, and speeding tickets can increase your rates.
You could save right now, even before you try Drive Safe & Save. Compare insurance rates by entering your ZIP code in the free comparison tool below.
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Unlocking Savings with State Farm Insurance Programs
State Farm offers a variety of State Farm auto insurance discounts to help policyholders save money on their premiums. One popular option is the State Farm Drive Safe & Save program, detailed in the State Farm Drive Safe & Save FAQ, which allows drivers to potentially earn discounts based on their driving habits.
The State Farm driving score percentage is calculated using data collected by the State Farm app or the beacon device installed in the vehicle. Although some people search how to cheat State Farm Drive Safe & Save on Reddit, it is important to adhere to the program’s guidelines to avoid penalties.
Another aspect to consider when choosing insurance is the comparison between Root vs. State Farm car insurance. Root uses a similar telematics approach but differs in some policy features and customer experiences. Additionally, the State Farm good driver discount rewards drivers with clean records, while the State Farm Drive Safe & Save program aims to incentivize responsible driving.
Many users share their experiences through State Farm beacon reviews, which highlight the benefits and occasional technical issues. For those who drive less, the State Farm low mileage discount can be an added benefit. Overall, State Farm car insurance offers various ways to reduce costs, including the State Farm good student discount for young drivers with good grades.
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Comprehensive Review of State Farm Drive Safe & Save
The State Farm Drive Safe & Save program offers a unique way for policyholders to save on auto insurance by monitoring their driving habits. By utilizing the Drive Safe & Save app, drivers can potentially earn up to a 30% Drive Safe & Save discount.
However, the pros and cons of Drive Safe & Save must be considered, such as privacy concerns and potential technical issues with the app. Despite these concerns, State Farm Drive Safe & Save reviews generally highlight the financial benefits and the encouragement of safer driving habits.
For those interested in more detailed insights, the State Farm Drive Safe & Save review provides an in-depth look at how the program works and the associated savings. It’s important to understand how State Farm Drive Safe & Save works to maximize the potential discounts.
Additionally, many Drive Safe & Save reviews emphasize the convenience of the app and the potential for a good driver discount with State Farm offers. To fully benefit, avoid any State Farm Drive Safe & Save cheating tactics, as they can lead to loss of discounts or policy termination.
Exploring State Farm car insurance discounts alongside the Drive Safe & Save in State Farm program can further enhance savings on auto insurance.
Frequently Asked Questions
What is State Farm Drive Safe & Save?
State Farm Drive Safe & Save is a program offered by State Farm, one of the largest insurance companies in the United States. It is designed to reward safe drivers by providing potential discounts on auto insurance premiums based on their driving habits.
How is my driving data used by State Farm?
State Farm uses the data collected from the telematics device or mobile app to evaluate your driving behavior. Based on your driving habits, you may be eligible for premium discounts.
Will my insurance premiums increase if my driving data shows poor habits?
Participating in the Drive Safe & Save program will not cause your premiums to increase. However, if the data collected indicates poor driving habits, you may not be eligible for premium discounts. The program is primarily focused on rewarding safe driving rather than penalizing poor driving behavior.
How do I enroll in State Farm Drive Safe & Save?
To enroll in State Farm Drive Safe & Save, you need to contact your State Farm agent. They will provide you with the necessary information and guide you through the enrollment process.
Can anyone participate in State Farm Drive Safe & Save?
State Farm Drive Safe & Save is available to most State Farm auto insurance customers. However, eligibility may vary based on your location and the specific terms and conditions set by State Farm. Contact your State Farm agent to determine if you are eligible for the program.
How does Drive Safe & Save work?
Drive Safe & Save monitors driving habits using a mobile app or Bluetooth beacon to calculate discounts based on safe driving behaviors.
How long do you have to use State Farm Drive Safe & Save?
There is no specified time requirement; you can use Drive Safe & Save for as long as you are a State Farm customer and choose to participate.
What is a good score for State Farm Drive Safe & Save?
State Farm does not publicly disclose a specific score, but higher scores typically reflect safer driving habits and can result in larger discounts.
Is State Farm Drive Safe & Save worth it?
It can be worth it for drivers who consistently practice safe driving habits and want to potentially earn discounts on their auto insurance premiums.
What is the State Farm driving score?
The State Farm driving score is a metric used to evaluate a driver’s habits and behavior on the road, influencing insurance rates.
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