State Farm Drive Safe & Save Review (2022)

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. Your discount is calculated over a six-month period.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 16, 2022

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What You Should Know

  • 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 2020 State Farm Drive Safe & Save review, we’ll discuss how Drive Safe & Save works, the pros and cons of the program, and State Farm Drive Safe & Save customer reviews.

Understanding auto insurance programs like Drive Safe & Save is key to getting the best discounts, so read on to learn 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.

What is State Farm Drive Safe & Save?

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 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 does State Farm Drive Safe & Save work?

The following video explains how State Farm Drive & Save works.

Once you sign up to Drive Safe & Save, install the mobile 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 blue-tooth 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 review that tells you how to trick, cheat, or hack State Farm Drive Safe & Save. It’s a quick way to lose your discounts or even your policy.

State Farm Drive Safe & Save Program and Mobile 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.

According to Business Wire, 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 liability or 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 cheap auto insurance rates in your area by using our FREE comparison tool. Enter your ZIP code now to find affordable car insurance.

State Farm Discounts

The best 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 DiscountsPercentage Savings on Annual Rates
Anti-lock Brakes5%
Claim Free15%
Defensive Driver5%
Distant Studentspeak with your agent to learn more
Driver's Ed15%
Driving Device/App50%
Good Creditspeak with your agent to learn more
Good Student25%
Low Mileage30%
Marriedspeak with your agent to learn more
Militaryspeak with your agent to learn more
Multiple Policies17%
Multiple Vehicles20%
Newer Vehicle40%
Paperless/Auto Billing$2
Passive Restraint40%
Safe Driver15%
Vehicle Recovery5%
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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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Frequently Asked Questions: State Farm Drive Safe & Save

Want more information? Check out our Drive Safe & Save FAQ below and read our full State Farm auto insurance review.

#1 – Is State Farm Drive Safe & Save worth it?

If you want to save more money on State Farm car insurance, State Farm Drive Safe & Save beacon reviews suggest it’s worth a try to lower your rates.

#2 – Does Drive Safe & Save track speed?

Yes. Your speed is in the list of items monitored by Drive Safe & Save.

#3 – How long does Drive Safe & Save last?

Drive Safe & Save lasts for six months.

#4 – What is a good Drive Safe & Save score?

So, what is a good score for State Farm Drive Safe and Save? A good score would be from the mid-90s to 100%.

#5 – Does State Farm offer a low mileage discount?

Yes. The less you drive, the more you’ll save on auto insurance. You can save up to 30% on car insurance with a low mileage discount.

#6 – Can Drive Safe & Save hurt you or raise your rates?

No. The Drive Safe & Save program from State Farm is designed to give you savings and won’t increase your rates.

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