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State Farm Drive Safe & Save (Updated July 2022)

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Katie Powers

By: Katie Powers

Edited by Jackie Cohen

Last Updated June 15, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

With State Farm’s Drive Safe & Save program, drivers save money by driving safely. Using GPS technology, State Farm tracks the driving behavior of participating policyholders. When drivers demonstrate solid driving habits, they save on their monthly auto insurance premiums. Whether the Drive Safe & Save program works for you depends on your car insurance needs.

To help determine whether a telematics program like the Drive Safe & Save program fits the insurance needs of a driver, one must first determine which insurance provider offers the most appealing coverage and rates for that driver. To compare the nation’s top providers, use Insurify’s convenient quote-comparison tool to find the cheapest insurance rates.

Quick Facts

  • Users of State Farm’s Drive Safe & Save save 5 percent on premiums just for signing up.
  • The Drive Safe & Save program uses GPS technology to track users’ driving habits.
  • Rates will never increase due to unsafe driving for Drive Safe & Save program users.

Safe Drivers Can Save

What’s State Farm’s Drive Safe & Save program?

This special program from State Farm offers drivers with clean records and safe driving habits discounts of up to 5 percent on their insurance premiums.

The State Farm Drive Safe & Save program provides users a simple way to save on their monthly premiums by practicing safe driving habits. State Farm tracks the driving characteristics of participating policyholders using GPS technology through the insurance program’s mobile app, as well as a Bluetooth beacon sent to enrolled users to attach to their rearview mirrors.

Users can begin enrollment by texting “SAVE” to 78836 for a prompt to download the Drive Safe & Save mobile app. Registering for the discount program earns participants a 5 percent initial discount. Additional discount amounts of up to 30 and 50 percent are earned by avoiding distracted driving, quick acceleration, speeding, sharp turns, fast cornering, and hard braking.

Policy periods typically last for around six months, and insurance discounts will be adjusted by State Farm at the end of each period. Importantly, participants in the program will always earn some form of a discount, and poor driving habits will not penalize participants with higher premiums. But the safer the driving of the policyholder, the greater the savings they’ll receive.

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Telematics Time

Though COVID-19 pandemic restrictions have decreased, many people in certain professions are still working from home. Because State Farm’s Drive Safe & Save program tracks annual mileage, those without a daily rush-hour commute to and from work may benefit from a low-mileage discount. The less a person drives, the smaller the chance of an accident.

The program rewards safe drivers for their good driving, tracked through the mobile app and Bluetooth beacon. At the end of each policy period, State Farm allows policyholders to record their odometer reading to provide an accurately recorded mileage. If your driving record aligns with this program, prepare to receive an auto insurance discount as a State Farm customer.

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

According to online reviews of the State Farm Drive Safe & Save program, customers tend to positively view the program and the Drive Safe & Save app available on mobile devices. The mobile app has a 4.6-star rating in the App store and a 4-star rating in the Google Play store. As with many diagnostics apps, users appreciate some aspects while noting some room for improvement.

Common complaints center around lower driving scores related to distracted driving, including phone use for navigation apps, which is often necessary. Additionally, the app’s tracking of driving data may deplete the participating driver’s phone battery—due to the use of both Bluetooth and location services. Benefits, of course, include the initial and earned discounts.

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State Farm’s Drive Safe & Save Costs and Discounts

As previously mentioned, everyone who signs up for the State Farm insurance program Drive Safe & Save automatically earns a 5 percent initial discount simply for enrolling. State Farm touts Drive Safe & Save discounts of up to 30 percent for most policyholders while acknowledging some could earn up to 50 percent, depending on their state and coverage.

Ultimately, the earned discount will be determined at the end of each policy period by calculating driving data around speed limits, time of day spent driving, acceleration, distracted driving, and more. Whether State Farm and its telematics program work for you depends on your personal insurance needs. Compare affordable monthly quotes from top providers with Insurify.

How to Cancel State Farm’s Drive Safe & Save

If policyholders enrolled in the optional Drive Safe & Save program decide it is not a good fit for their driving habits and insurance needs, they have ways to cancel the service over the phone at 1 (800) 782-8332 or via the State Farm website (statefarm.com). The Bluetooth beacon will need to be sent back or returned to State Farm, and the program’s mobile app can be deleted.

State Farm Drive Safe & Save Contact Information

Customer Service Phone Number1 (800) 782-8332
Claims Service Phone Number1 (800) 732-5246
Roadside Assistance Phone Number1 (877) 627-5757
Headquarters Address

One State Farm Plaza

Bloomington, Illinois 61710

Website URLstatefarm.com

Compare Cheap Car Insurance Quotes and Save

Many insurance companies provide quality insurance coverage options for drivers to choose from. Whether State Farm—and the Drive Safe & Save program—works for a driver’s individual insurance needs depends completely on their driving habits and desired coverage. Using Insurify’s quote-comparison tool allows users to compare affordable quotes with ease.

Frequently Asked Questions

  • The State Farm Drive Safe & Save telematics program utilizes the program’s mobile app alongside the provided Bluetooth beacon to track the driving habits of participating policyholders. Drivers who already have an OnStar system connected to their vehicle will not need a Bluetooth beacon in order to participate in the State Farm telematics programs.

    The data tracked includes behavior around acceleration, speeding, hard braking, distracted driving, time of day spent driving, sharp turns, and more to determine driving habits. The safer that individuals drive, the more their insurance policy premiums decrease as a result of recorded driving habits. Drivers earn anywhere from 5 to 50 percent in discounted insurance premiums.

  • The telematics program from State Farm records and analyzes the driving characteristics of participating Drive Safe & Save policyholders in order to determine earned discounts on their insurance premiums. Policyholders with low mileage and non-risky driving behavior will likely reap the benefits of this program—with discounts calculated at the end of each policy period.

  • No, participating policyholders will never be penalized for their driving habits recorded in the program. The worst-case scenario is that a driver will simply earn fewer discounts on their premiums, but rates will not be increased due to the program. Participants even earn an initial 5 percent in discounts simply for signing up. This program works best for consistently safe drivers.

  • The cost of insurance policies from various providers fluctuates over time, meaning a policy that worked for you in the past may not be as affordable now. Drivers should consider the factors that will influence their insurance rates, including their city and state location, driving records and habits, credit history, marital status, vehicle type, desired coverage, and much more.

    State Farm’s Drive Safe & Save telematics program provides one way for drivers to earn affordable rates on their auto coverage, but it may not work for everyone. To easily compare rates from the nation’s top providers, use the convenient Insurify quote-comparison tool. Consider individualized insurance needs alongside affordable rates with the help of Insurify.

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    Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

    With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Katie Powers
Katie Powers
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Insurance Writer

Katie Powers is an insurance writer at Insurify with expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.

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