State Farm Drive Safe and Save App Review: Compare Rates, Discounts, & Requirements [2025]
Our State Farm Drive Safe & Save app review explains how drivers can earn 30% off with usage-based discounts. The State Farm app tracks speed, phone use, and mileage to determine savings amount. Plus, drivers save 10% just for signing up. Learn why Drive Safe & Save is a top usage-based car insurance choice.
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Table of Contents
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Joel Ohman is the CEO of a private equity-backed digital media company. He is a published author, angel investor, and serial entrepreneur who has a passion for creating new things, from books to businesses. He has 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. Joel has been mentione...
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Kristen Gryglik
Updated January 2025
Drivers looking to reduce their rates for driving safely should consider State Farm Drive Safe and Save. This usage-based car insurance program uses the State Farm app to monitor your driving and offers a maximum discount of 30% if you score well.
State Farm offers cheap car insurance quotes averaging $86 monthly, so you can get even lower rates with Drive Safe and Save. Keep reading our State Farm Drive Safe and Save usage-based insurance review to see how you can save on rates with the telematics program.
- State Farm Drive Safe and Save offers a usage-based discount of up to 30% on your auto insurance rates
- Speeding, hard braking, and phone usage are behaviors that the State Farm Drive Safe and Save mobile app monitors
- Your car insurance rates won’t increase with Drive Safe and Save if you drive poorly
Compare the State Farm Drive Safe & Save App to Competitors
Of course, State Farm car insurance isn’t the only company offering telematics insurance savings. You can also save with companies such as Geico, USAA, and Travelers.
Read more:
Check out the table below to see how much you could save on State Farm Drive Safe and Save car insurance vs. competitors:
Usage-Based Car Insurance Availability & Savings for Best Usage-Based Car Insurance Provider
Insurance Company Program Name Earned Savings Areas Available
Drivewise® 40% Most states, excluding, CA, DC
KnowYourDrive 20% Available in specific states: AZ, CO, GA, ID, IL, IN, IO, KS, MN, MO, NE, NV, ND, OH, OR, SD, UT, WA, WI
Signal® 30% Most states, excluding: AK, HI, LA, MA, MI, NJ, NY
DriveEasy 25% Most states, excluding:
AK, CA, DC, DE, HI, KS, ME, MA, MO, MS, MT, ND, HD, NY, RI, SD, VT, WV, WY
TrueLane® 25% Most states, excluding: FL
RightTrack® 30% Most states, excluding: AK, CA, DC,
SmartRide® 40% Most states, excluding: CA, HI, MA, MI, NY
Snapshot 30% Most states, excluding: DC
RightTrack® 30% Available in specific states, including:
FL, IL, MA, MO, RI, NJ, NV, NY
Drive Safe and Save™ 30% Most states, excluding: DC
IntelliDrive® 30% Most states, excluding: CA, HI, NY
SafePilot 30% Available in specific states, including: AZ, OH, TX, OK
Read more:
- Safeco RightTrack App Review: Compare Rates, Discounts, & Requirements
- Farmers Signal Review: Compare Rates, Discounts, & Requirements
As you can see, various insurance companies offer safe driver car insurance discounts to help drivers get affordable rates. For example, you can save up to 25% with Geico DriveEasy.
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What the State Farm Drive Safe & Save App Tracks and How it Works
State Farm Drive Safe and Save monitors various driving habits to calculate your savings. You can also get a low-mileage car insurance discount if State Farm’s usage-based insurance determines you travel fewer than 7,500 miles annually.
Some of the driving behaviors State Farm Drive Safe and Save tracks include hard braking, acceleration, cornering, phone distractions, speed, mileage, and time of day driven. However, poor driving with the program can't hurt your rates.
Benjamin Carr Former Insurance Agent
Some of the driving behaviors Drive Safe and Save tracks include hard braking, acceleration, cornering, phone distractions, speed, mileage, and time of day driven. However, poor driving with the program can’t hurt your rates.
It’s important to evaluate the pros and cons of State Farm Drive Safe and Save before enrolling, especially if you’re not a great driver.
Ways to Lower Your Car Insurance Rates With State Farm Drive Safe & Save
Listed below are several ways to save money on car insurance with State Farm Drive Safe & Save:
- Drive within the speed limit. Your Drive Safe and Save app will know when you exceed 8 miles per hour over the speed limit.
- Avoid hard braking. Pay attention to the road and start braking early to avoid getting dinged by the State Farm Drive Safe and Save app.
- Limit mileage. Stay home, walk, or use public transportation to get a better Drive Safe and Save car insurance discount.
- Avoid phone distractions. Don’t use your phone while driving. Your Drive Safe app will know when you touch your screen or move your phone around the car.
You can also earn other State Farm car insurance discounts, such as a good student or anti-theft discount.
Calculating Your State Farm Drive Safe & Save App Score
State Farm Drive Safe and Save’s mobile app displays a score between 0% and 100% for each driving behavior, including braking, acceleration, speed, cornering, and phone distractions. This score considers trips from the previous 14 days and lets you identify where to improve. The higher your Drive Safe car insurance score, the better your discount.
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How Long You Have to Use the State Farm Drive Safe & Save App
You must be constantly enrolled in State Farm Drive Safe and Save if you’re a car insurance policyholder with the company. So, if you unenroll from the program, you’ll lose your State Farm insurance discount. On the other hand, companies such as Progressive only require tracking for up to six months. Read more about the benefits of having car insurance through Progressive.
Different Ways to Set Up State Farm Drive Safe & Save
Since State Farm Drive Safe and Save monitors driving behavior, it needs a way to collect that data. There are various ways to set up Drive Safe and Save in your car, including:
- With your smartphone
- With OnStar
- With a connected car through FordPass or LincolnWay
Once you complete a trip, your behaviors and mileage get sent to the State Farm app, which the company uses to set your Drive Safe and Save discount. So, keep your location services enabled while driving.
Where to Sign Up for State Farm Drive Safe & Save
You can sign up for Drive Safe and Save car insurance by downloading the mobile app from the iOS App Store or Google Play Store. Then, you’ll get a State Farm Drive Safe and Save beacon in the mail — follow the instructions to pair it with the app.
If you’re signing up through a connected car with a 2020 or newer Ford or Lincoln vehicle, add it to the Garage in your FordPass or LincolnWay app and tell your State Farm agent you want to enroll in Drive Safe and Save. Then, accept the agreement on your vehicle screen when you turn your car on next.
However, before you sign up, consider how much you’ll pay before your safe driver discount, not just the discount amount. Check out the table below to compare rates from the top companies:
Full Coverage Car Insurance Monthly Rates by State & Provider
| States | | | |  | |  | | | | |
|---|---|---|---|---|---|---|---|---|---|---|
| Alabama | $143 | $139 | $177 | $118 | $215 | $128 | $149 | $144 | $104 | $74 |
| Alaska | $192 | $150 | $181 | $109 | $234 | $155 | $138 | $93 | $133 | $85 |
| Arizona | $250 | $158 | $187 | $91 | $247 | $161 | $117 | $112 | $145 | $88 |
| Arkansas | $226 | $191 | $231 | $126 | $138 | $178 | $183 | $112 | $154 | $76 |
| California | $312 | $216 | $261 | $157 | $338 | $223 | $207 | $169 | $192 | $116 |
| Colorado | $245 | $174 | $240 | $139 | $135 | $158 | $178 | $140 | $169 | $115 |
| Connecticut | $269 | $172 | $207 | $85 | $276 | $153 | $182 | $125 | $114 | $106 |
| Delaware | $242 | $153 | $184 | $118 | $579 | $168 | $105 | $135 | $96 | $50 |
| District of Columbia | $358 | $171 | $206 | $103 | $267 | $255 | $171 | $165 | $151 | $71 |
| Florida | $245 | $252 | $304 | $119 | $216 | $138 | $205 | $132 | $223 | $63 |
| Georgia | $224 | $168 | $203 | $83 | $359 | $207 | $156 | $146 | $149 | $97 |
| Hawaii | $142 | $99 | $119 | $72 | $154 | $102 | $94 | $77 | $87 | $53 |
| Idaho | $176 | $127 | $126 | $79 | $108 | $113 | $125 | $72 | $78 | $55 |
| Illinois | $285 | $184 | $190 | $77 | $123 | $150 | $145 | $104 | $141 | $101 |
| Indiana | $217 | $167 | $123 | $99 | $285 | $151 | $107 | $110 | $108 | $67 |
| Iowa | $152 | $114 | $99 | $98 | $140 | $88 | $91 | $79 | $112 | $66 |
| Kansas | $195 | $139 | $176 | $91 | $212 | $113 | $155 | $99 | $106 | $69 |
| Kentucky | $287 | $199 | $240 | $97 | $204 | $224 | $135 | $119 | $169 | $87 |
| Kentucky | $239 | $204 | $247 | $163 | $319 | $211 | $187 | $144 | $181 | $114 |
| Maine | $154 | $120 | $167 | $52 | $171 | $124 | $134 | $83 | $88 | $52 |
| Maryland | $368 | $213 | $257 | $248 | $333 | $195 | $222 | $196 | $189 | $147 |
| Massachusetts | $205 | $142 | $171 | $103 | $222 | $146 | $136 | $111 | $126 | $76 |
| Michigan | $579 | $292 | $478 | $141 | $606 | $367 | $217 | $298 | $262 | $152 |
| Minnesota | $283 | $165 | $191 | $160 | $664 | $153 | $180 | $118 | $166 | $120 |
| Mississippi | $200 | $163 | $197 | $97 | $162 | $130 | $163 | $111 | $120 | $74 |
| Missouri | $226 | $162 | $207 | $137 | $197 | $101 | $150 | $130 | $173 | $76 |
| Montana | $220 | $178 | $234 | $118 | $84 | $126 | $243 | $100 | $158 | $71 |
| Nebraska | $178 | $159 | $185 | $131 | $255 | $110 | $136 | $98 | $145 | $79 |
| Nevada | $210 | $178 | $196 | $139 | $141 | $142 | $104 | $130 | $115 | $87 |
| New Hampshire | $183 | $110 | $133 | $72 | $283 | $110 | $91 | $84 | $98 | $59 |
| New Jersey | $225 | $164 | $330 | $106 | $397 | $169 | $133 | $162 | $194 | $88 |
| New Mexico | $214 | $139 | $177 | $123 | $218 | $130 | $117 | $94 | $123 | $88 |
| New York | $185 | $172 | $208 | $98 | $252 | $206 | $121 | $172 | $220 | $107 |
| North Carolina | $257 | $124 | $150 | $104 | $125 | $168 | $48 | $116 | $151 | $66 |
| North Dakota | $194 | $207 | $153 | $86 | $567 | $109 | $157 | $109 | $126 | $63 |
| Ohio | $168 | $86 | $135 | $82 | $148 | $159 | $119 | $98 | $89 | $57 |
| Oklahoma | $183 | $160 | $185 | $148 | $250 | $165 | $149 | $123 | $142 | $92 |
| Oregon | $220 | $153 | $160 | $134 | $202 | $160 | $111 | $108 | $139 | $84 |
| Pennsylvania | $237 | $174 | $210 | $109 | $351 | $138 | $238 | $122 | $121 | $91 |
| Rhode Island | $189 | $151 | $183 | $125 | $235 | $190 | $116 | $76 | $103 | $65 |
| South Carolina | $219 | $194 | $273 | $130 | $303 | $193 | $171 | $144 | $172 | $113 |
| South Dakota | $158 | $176 | $131 | $66 | $268 | $89 | $122 | $78 | $113 | $68 |
| Tennessee | $183 | $130 | $110 | $100 | $235 | $151 | $118 | $92 | $112 | $74 |
| Texas | $313 | $274 | $214 | $164 | $277 | $240 | $188 | $140 | $157 | $97 |
| Utah | $180 | $162 | $177 | $113 | $183 | $144 | $146 | $158 | $136 | $77 |
| Vermont | $203 | $121 | $147 | $54 | $143 | $110 | $258 | $125 | $108 | $60 |
| Virginia | $168 | $135 | $163 | $113 | $211 | $140 | $99 | $103 | $120 | $71 |
| Washington | $149 | $119 | $132 | $97 | $120 | $91 | $78 | $90 | $106 | $59 |
| West Virginia | $198 | $141 | $170 | $102 | $239 | $127 | $135 | $97 | $124 | $82 |
| Wisconsin | $174 | $89 | $154 | $88 | $119 | $321 | $133 | $83 | $103 | $66 |
| Wyoming | $157 | $112 | $131 | $112 | $76 | $116 | $107 | $83 | $99 | $58 |
While one company may have a big discount amount, it may have expensive starting rates. However, State Farm offers competitive rates and a good Drive Safe and Save discount of 30%. Of course, various factors affect insurance premiums, including your State Farm car insurance coverage options.
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State Farm Drive Safe & Save App Review: Bottom Line
There are various benefits of State Farm, including its Drive Safe and Safe program, which saves drivers up to 30% with its safe driver discount. Get started today on finding cheap State Farm quotes by entering your ZIP code below.
Frequently Asked Questions
Is the State Farm Drive Safe and Save app worth it?
State Farm Drive Safe and Save is almost always worth it since it saves you up to 30% on car insurance and never raises rates.
How much do you save on car insurance with the State Farm Drive Safe & Save app?
You’ll get an initial 10% discount for enrolling in State Farm Drive Safe and Save, with the opportunity to earn 30% if you drive safe.
Does State Farm Drive Safe & Save app track speeding?
Yes, our State Farm usage-based insurance review found that the Drive Safe and Save program tracks speed.
Is there a State Farm Drive Safe & Save cheat?
No, there isn’t a State Farm Drive Safe and Save cheat.
Does State Farm Drive Safe & Save app track phone use?
Yes, you’ll get dinged by Drive Safe and Save car insurance with State Farm if you use your phone.
What is a good State Farm Drive Safe & Save car insurance score?
An 80% or higher score indicates good driving with State Farm Drive Safe and Save.
Will using the State Farm Drive Safe & Save app increase my car insurance rates?
No, you won’t be hurt by State Farm Drive Safe and Save if you drive poorly. However, if you receive a low-mileage discount for driving less than 7,500 miles annually and your odometer shows you drove more, your rates could go up.
How do I improve my State Farm Drive Safe & Save score to get cheaper car insurance rates?
Drive the speed limit, avoid hard braking, and don’t use your phone while driving to get a better Drive Safe and Save car insurance score.
Can you turn off the State Farm Drive Safe & Save app?
You can turn off Drive Safe and Save by uninstalling the mobile app, but you could lose your discount. However, your phone can’t monitor trips if your Bluetooth and location services are off.
Can I put the Drive Safe and Save beacon in my vehicle’s glove box?
State Farm recommends adhering your Drive Safe and Save beacon to your windshield. However, if you can’t do this, choose another stationary surface to stick the beacon.
Does State Farm Drive Safe and Save track your location?
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