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

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Feb 20, 2021

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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 drivers’ safe driving habits. Drivers receive a sign-up discount and then another discount at renewal. The better you drive, the more you save.

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.

Shop around before you buy State Farm Drive Safe and Save auto insurance to make sure you are getting the best deal. Enter your ZIP code now to compare quotes near you.

What is Drive Safe and Save from State Farm?

State Farm uses a combination of an app and a small beacon that sticks to your windshield to monitor your driving.

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.

You can’t get State Farm Drive Safe and Save auto insurance quotes since each one is based on your individual driving.

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 are very good. 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.

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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.

You should compare prices even if you get affordable State Farm Drive Safe and Save auto insurance. Enter your ZIP code now to compare rates near you.