It’s a simple deal: the safer you drive, the more you save. 

Sounds pretty good, right? Well, that’s the deal State Farm offers with its Drive Safe & Save program. It works by using GPS technology to track your driving behavior and adjusts your insurance rate accordingly. For instance, if you improve your driving habits and cut out risky maneuvers like sudden braking, you might find that your monthly premiums decrease. 

A wide array of insurance companies are offering similar data-driven discounts—and they’re helping plenty of savvy drivers lower costs while staying safe on the roads. But what sets Drive Safe & Save apart? And should all drivers sign up?

Before springing for a new car insurance policy, you’ll want to do your research. That’s where Insurify comes in handy. With Insurify, you can compare car insurance quotes side by side, all in one place. No more jumping from site to site, keeping track of rates. Insurify gives you the information you need so you can find auto insurance coverage that works for you. 

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What’s State Farm Drive Safe & Save, and how does it work?

While tracking driving behavior might sound complicated, you’ll be relieved to know that State Farm’s Drive Safe & Save program is refreshingly simple. 

To get started, all you need to do is text “SAVE” to 78836, which will give you the option to download the Drive Safe & Save mobile app to your smartphone. In just a few steps, you can enroll in the program. Then State Farm will mail you a Bluetooth beacon that you attach to the back of your rearview mirror. Turn on the beacon, complete your registration, and you’re ready to hit the road.

In fact, just signing up for Drive Safe & Save will earn you a five percent discount. But that’s just the beginning of your savings. If you avoid distracted driving (e.g., phone use behind the wheel) and cut down on dangerous behaviors like quick acceleration, exceeding the speed limit, hard braking, and fast cornering, you could earn a discount as high as 30 to 50 percent. State Farm will then adjust your insurance discount at the end of each policy period, which typically lasts around six months.

Don’t worry: State Farm claims that Drive Safe & Save will always get you a discount. You don’t have to worry about your rates going up if the app finds that you aren’t able to avoid unsafe driving characteristics. You just might find your discount is lower.

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Is now the time for telematics?

With the COVID-19 pandemic leading to school closures and remote work, it may be an excellent time to consider a telematics program like Drive Safe & Save. After all, one of the data points that State Farm tracks is annual mileage. If you drive less, you’re less likely to get into an accident. Drive Safe & Save recognizes that and adjusts your rate accordingly. 

To ensure your mileage is accurately recorded, State Farm lets you enter your odometer reading at the end of each policy cycle. You will receive a reminder to do this on the mobile app, so you don’t forget.

During this time, your driving schedule might also change—which is another characteristic tracked by Drive Safe & Safe. While your morning commute might have forced you to drive at a high-traffic time like 9 AM, you now might be working from home and only driving at safer off-times like 2 PM to pick up groceries. If so, Drive Safe & Save will notice that you’re driving at a more reliable time and potentially boost your insurance discount.

It’s a stressful time for families. Opting for an insurance policy that can help you save might give you some peace of mind.

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State Farm Drive Safe & Save Reviews: Here’s what drivers are saying…

What do drivers think about State Farm Drive Safe & Save? Here are some reviews from State Farm customers who have signed up for Drive Safe & Save

In general, the Drive Safe & Save app reviews are positive, earning an impressive 4.5 stars in the App Store even after thousands of reviews. This even-handed review praises the app overall while still pointing out areas for improvement:

This is one of many reviews that complain about getting dinged for distracted driving. In this much more negative review, a customer is upset that they were marked down for merely looking at their Maps app:

The general takeaway from reviews of the app seems to be that the app shows lots of promise but could be optimized with a few simple tweaks. 

On Reddit, reviews are somewhat mixed, with drivers reporting only modest discounts. Still, this Redditor thinks the program is worthwhile because State Farm will always give you a discount after you sign up:

Meanwhile, this Redditor is upset that an extended period of safe driving only netted them $4 in savings:

As with most insurance companies, your mileage may vary. But overall, State Farm appears to provide a quality app for its Drive Safe & Save program, and very few drivers report significant downsides after signing up for the service.

State Farm Drive Safe & Save Costs and Discounts

As we’ve discussed, anyone who signs up for Drive Safe & Save automatically gets a discount—even if it ends up being as low as one percent. In general, State Farm advertises an insurance discount of up to 30 percent when you enroll. However, they note that some customers could see discounts as high as 50 percent depending on the state they reside in and the coverage plan they’ve selected.

You also receive a preliminary discount of 5 percent just for signing up. From there, your discount will be calculated in each policy period. After each policy period, you can check your driving score and find your updated premium on the State Farm website or on the Drive Safe & Save mobile app.

If you feel that Drive Safe & Save isn’t helping you save as much as you’d hoped, compare rates from a wide array of car insurance companies. When you use Insurify, you’ll find that there are a lot of cheap car insurance options out there for you.

>>> MORE: High Risk Auto Insurance in California

How to Cancel State Farm Drive Safe & Save

State Farm Drive Safe & Save is an optional program. If you sign up and eventually decide you want to cancel this service, State Farm gives you a few easy options. The easiest ways to cancel are to call State Farm’s customer service line at 1 (800) 782-8332 or to visit the State Farm website and navigate to your account.

Once you cancel your service, you do not need to send back the Bluetooth beacon. State Farm recommends that you drop the beacon off at an electronics recycling facility. You can then uninstall the Drive Safe & Save mobile app, which will then stop collecting your driving data. 

State Farm Drive Safe & Save Contact Information

Customer service phone number1 (800) 782-8332
Claims service phone number1 (800) 732-5246
Roadside Assistance number1 (877) 627-5757
Headquarters addressOne State Farm Plaza, Bloomington, Illinois 61710

State Farm Drive Safe & Save FAQ

What is State Farm Drive Safe & Save?

Drive Safe & Save is State Farm’s telematics program. After you install the Drive Safe & Save app and plug in your Bluetooth beacon, State Farm will track your driving behavior and give you an auto insurance discount based on how often and how safely you drive. If you observe safe driving behaviors (e.g. limited hard braking or rapid acceleration), you have the opportunity to pay lower insurance premiums. If your vehicle has OnStar, you might already have all you need to get going with Drive Safe & Save. You won’t need the Bluetooth beacon, but you’ll still want to download the Drive Safe & Save mobile app if you want to regularly see your driving score and insurance discounts.

How does State Farm Drive Safe & Save work?

Drive Safe & Save works by observing your driving characteristics and calculating a driving score based on your behavior. If you frequently practice distracted driving, take sharp turns, or have a spotty driving record, you might not be the ideal candidate for Drive Safe & Save and could see only minimal discounts. The Drive Safe & Save mobile app is available for iOS and Android and can be found in the App Store or on Google Play. These smartphone apps will tell you what sort of discount you’re looking at at the end of each policy period (roughly six months).

How can I make sure I’m finding the best deal on car insurance?

State Farm’s Drive Safe & Save is just one way you can go about saving on car insurance. But the best way to make sure you’re paying the right price for the right car insurance is to compare free quotes with Insurify. Insurify makes it easy to find cheap car insurance and put rates side by side so that you can get the coverage that meets your needs and fits your budget.

Conclusion: How to compare cheap car insurance quotes and save

State Farm is just one of many car insurance companies that offer usage-based car insurance discounts. Progressive, Allstate, and a long list of other industry mainstays are getting in on the action and using data to help drivers save.

Before you decide that State Farm is the best option for you, compare and save with the best car insurance comparison sites like Insurify. With Insurify, you can enter your driving information and generate multiple free quotes from a wide array of car insurance providers. Gone are the days of jumping from site to site, manually comparing rates. Insurify puts all the information you need in one place so that you can get the best value.

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Updated July 22, 2021

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.