State Farm Drive Safe and Save or OnStar Program Review [2021]

To enroll in the State Farm Drive Safe and Save program, the process is relatively simple. The State Farm Drive Safe and Safe car insurance program aims to help you improve your driving habits while you save on your monthly car insurance rates. Your State Farm Drive Safe and Save car insurance rates can be anywhere from 30%-50% lower, depending on your mileage and your state.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 2, 2021

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Here's What You Need to Know

  • The State Farm Drive Safe and Save program aims to help drivers improve their driving habits, so it has a dual benefit
  • If you cannot use the app on your smartphone, you need an OnStar activation and subscription service
  • State Farm says that you can save as much as 30% by being in the program, but in some states, the savings can be around 50%

Are you thinking about enrolling in the State Farm Drive Safe and Save program? If so, the telematics program may be mutually beneficial for you and the car insurance company.

You can save immediately by enrolling in the program and save even more by driving less and taking advantage of other safe driving discounts that State Farm offers. What is a safe driver discount? A discount offered as an incentive to practice safe driving.

Read on to learn more about the affordable State Farm Drive Safe and Save car insurance program. If you want to look at rates from top car insurance companies in your area, enter your ZIP code into our free quote tool above.

What is the State Farm Drive Safe and Save program?

The State Farm Drive Safe and Save or OnStar program is the company’s usage-based auto insurance program. It works with a specific app that you will use while you are driving.

If you go by the name, the program is straightforward in laying out its intended goals. Still, State Farm succinctly explains that it wants its policyholders to drive better, smarter, and less.

In exchange for using this app and improving your driving habits, you will receive a discount. However, your State Farm Drive Safe and Save car insurance rates savings will vary based on your decisions behind the wheel during any given cycle and the state where you live.

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How does the State Farm Drive Safe and Save car insurance program work?

You can enroll in the State Farm Drive Safe and Save or OnStar program in three broad steps:

  1. Text SAVE to 78836. That allows you to download the Drive Safe and Safe app from the App Store (for iPhones) or Google Play (for Androids).
  2. Follow the instructions to install the app on your smartphone.
  3. Complete the setup with a Bluetooth beacon that State Farm sends you. You are to place the beacon in your car, preferably behind your rearview mirror. The beacon works with your smartphone to help track your driving while you are in the program.

You can only complete Step 2 and move onto Step 3 if your smartphone is compatible with the Drive Safe and Drive app. If your phone cannot support the app, you have the option of using OnStar if it is in your car.

Once you are ready, the application can track the following:

  • Your driving habits – That includes acceleration/speed, braking, cornering, and whether you come to sudden stops
  • Phone usage – The app can detect if your vehicle is moving. It can also sense if your phone moves in your car or the phone screen is on
  • The time of day – State Farm reminds you that accidents are more likely when traffic is heavy and late at night when people often drive under the influence

You can access your program information online through your State Farm account or the Drive Safe and Save app on your phone. You may also need to enter your odometer information periodically so that State Farm can track your mileage.

How much can you save by using the State Farm Drive Safe and Save program?

State Farm says that it will give you up to a 30% discount after signing up for the program, which can be something like $10 a month. That might seem small, but that can add up, especially if you pay in full every six months or annually.

In any case, your savings may vary from one cycle to the next. In some states, you might be able to get up to a 50% discount on your car insurance after enrolling in the program.

Beyond the initial discount, you can earn more savings based on how you drive and how often you drive. For instance, if you accumulate fewer than 7,500 miles during the year, the company will reward you with lower rates in the next billing cycle.

Should you enroll in the State Farm Drive Safe and Save program?

First, you need to see if the program is available in your state. It is available in 46 states; California, Massachusetts, New York, and Rhode Island are the states where the program is unavailable.

If you can enroll in your state, ask about the app from a State Farm agent. Ask about the information the app collects, how the company plans to use it, and if you can get some State Farm Drive Safe and Save car insurance quotes.

If you determine that the app will be beneficial, particularly for improving your driving habits, it is worth it. Otherwise, there are other discounts that State Farm offers.

Did we help you understand more about the State Farm Drive Safe and Save or OnStar program? If you want to know more, we do have an FAQ section below.

Now that you’ve finished this State Farm Drive Safe and Save program review, enter your ZIP code into our free quote tool below.

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State Farm Drive Safe and Save: Frequently Asked Questions

Here are some questions that you may still have about the State Farm Drive Safe and Save or OnStar program, along with some answers:

#1 – Is the average State Farm Drive Safe and Save review positive or negative?

Overall, it looks like most people who use the State Farm Drive Safe and Safe app appreciate it, if only for the discount. However, from the app page to YouTube and forums like Reddit, many reviews are mixed.

  • Some people may complain about battery usage
  • Others complain about the sensitivity of the app. It may detect phone use even if you are not talking, texting, or otherwise playing with your phone. Slight movements of your phone can trigger this
  • Most importantly, some people note privacy concerns

While using telematics, users must share their personal information, which their insurance company can share with third parties. The National Association of Insurance Commissioners noted this aspect of telematics, as did the Insurance Information Institute.

Still, as a 2017 study found, there is little resistance to the use of telematics from the public at large. People may feel that the benefits of telematics outweigh their privacy concerns.

In the end, users can save money if they drive less. Also, the apps they use may help them improve their driving habits, thus making the roads safer.

#2 – Is there a State Farm Drive Safe and Save Phone number?

Not exactly. You can text 78836 to download the Drive Safe and Save app on your smartphone, but there is no dedicated number to address problems with the app. There is a number that you can call for technical issues with State Farm apps, 888-559-1922.

#3 – How does OnStar work with the State Farm Drive Safe and Save program?

To take advantage of the Drive Safe and Save program with OnStar, you need to have the system installed in your car and have a current subscription to the service.

From there, you do not need to get an OnStar app, but State Farm periodically asks OnStar for your car’s odometer information to check your mileage.

#4 – I have heard about the State Farm Drive Safe and Save cheat. Should I use it?

From blog posts to Reddit, you may have heard or read about a way to cheat the Drive Safe and Save monitoring system. The purpose of the cheat is to make it look like you drove less often than you did during a billing period.

If you know how to use a cheat, you are supposedly able to save around 50% on your car insurance. Whether or not that is true, we strongly urge you against doing that. Not only is it dishonest, but it can be tantamount to insurance fraud.

#5 – Can I use the State Farm Drive Safe app to view or make changes to my car insurance policy?

No, State Farm has a separate smartphone app for managing your car insurance policy with the company.

While you may receive alerts and updates on your driving with the Drive Safe and Save app, you need to use State Farm’s regular app to view your entire account and make any changes.

#6 – Do I have to buy a State Farm Drive Safe and Save car insurance app?

No, the app is free to download from the App Store or Google Play.

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