State Farm Drive Safe & Save Review: Can you get affordable auto insurance? (2023)
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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Jeff Root
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...
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UPDATED: Oct 27, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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 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 about State Farm Drive Safe & Save cheats. It’s a quick way to lose your discounts or even your policy.
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 | 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.
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 does State Farm Drive Safe & Save work?
State Farm Drive Safe & Save utilizes telematics technology to monitor and assess your driving behavior.
The program requires you to install a small device, commonly known as a telematics device or a mobile app, which collects data on various aspects of your driving, such as speed, mileage, acceleration, and braking.
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.
The data is used solely for the purpose of assessing your eligibility for discounts and improving the accuracy of the program.
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.
You may need to install a telematics device or download the Drive Safe & Save app, depending on the options available in your area.
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.
What is a good score for State Farm Drive Safe & Save?
When you ask, “what is a good Drive Safe & Save score?” State Farm doesn’t advertise the exact number, but if you focus on driving safely, you should achieve a good score.
Compare over 200 auto insurance companies at once!
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Jeff Root
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...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.