Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Mar 16, 2022

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The Lowdown

  • The State Farm Drive Safe and Save app evaluates your driving habits and offers discounts accordingly
  • You get a 5 percent discount just for signing up and then up to 30 percent off at renewal depending on your driving habits
  • State Farm Drive Safe and Save reviews are very favorable

State Farm Drive Safe and Save offers discounts based on safe driving habits. Drivers receive a sign-up discount, and then another discount at renewal. The better you drive, the more you save. It’s a great way to get drivers to take safety seriously, because it actually ends up paying out.

Discounts are calculated based on your State Farm Drive Safe and Save auto insurance rates and how well you drive, so they will vary by driver. Take your annual mileage for example. The more you drive, the higher your discount percentage might be, since the data is taken by the average.

You can shop around and compare prices for just about anything, including your auto insurance.  If you need to compare insurance companies, we offer a free online comparison tool that can help you.

What is Drive Safe and Save from State Farm?

State Farm uses a combination of an app and a small beacon device that sticks to your windshield to monitor your driving. If you’re a safe driver, you could end up with a substantial auto insurance discount.

Once you download the State Farm Drive Safe and Save app and log in, your beacon will be sent to you. Once your beacon arrives, you will be ready to start getting discounts.

If you have OnStar in your vehicle, you can use that as well.

Drive Safe and Save monitors your:

  • Hard acceleration and braking
  • Speed
  • Cornering
  • Phone usage
  • Time of day you drive
  • Mileage

One of the main benefits of telematics, according to the Insurance Information Institute, is that it offers instant feedback, allowing you to easily change your driving habits. For example, if you’re a driver who struggles with smooth driving during traffic, you’ll be able to see what your habits are, and you can adjust accordingly.

Unfortunately, you won’t be able to get State Farm Drive Safe and Save auto insurance quotes immediately, because it’s tailored to each individual driver.

If you are a relatively good driver, Drive Safe and Save should offer cheap insurance. State Farm won’t raise your rates for poor driving, but if you are already receiving a low-mileage discount, you might lose it.

Drive Safe and Save reviews lean towards the positive side. Most customers report that it is easy to use and results in good discounts. However, privacy can be a concern since State Farm records your trips and stores your data.

Be mindful that the app is running in the background on your phone, and this will not only drain your battery, but it can also use your data plan while you’re driving.

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Is State Farm Drive Safe and Save worth it?

For people who work from home, are stay-at-home parents, don’t drive a lot, or may take public transit to minimize mileage, Drive Safe and Save is a good choice. It’s also a good choice for senior citizens looking for car insurance discounts.

Drive Safe and Save can be a great way to save money on your car insurance. The program is free, you control how much of a discount you get, you can bundle it with other State Farm discounts, and you can use it to improve your driving habits.

The only real downsides are that your information is recorded and your cell phone data is used. However, if you’re looking for an easy way to end up saving money on your auto insurance policy, you might consider it a fair trade.

As always, you should always be mindful of what your options are, no matter what part of the insurance market you’re investigating. Enter your ZIP code now to compare rates and find solid coverage.