State Farm Drive Safe and Save App Review: Compare Rates, Discounts, & Requirements [2024]

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.

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:

• USAA Car Insurance Review
• Geico Car Insurance Review
• Travelers Car Insurance Review

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 Companies

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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

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 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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

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	Allstate	American Family	Farmers	Geico	Liberty Mutual	Nationwide	Progressive	State Farm	Travelers	USAA
Alabama	$135	$105	$127	$76	$164	$108	$97	$65	$93	$60
Alaska	$108	$105	$133	$89	$162	$96	$112	$108	$79	$56
Arizona	$162	$137	$165	$91	$99	$128	$131	$80	$111	$55
Arkansas	$180	$114	$135	$65	$178	$116	$84	$81	$104	$63
California	$199	$138	$167	$101	$216	$142	$132	$108	$122	$74
Colorado	$166	$118	$163	$94	$92	$107	$120	$94	$114	$78
Connecticut	$196	$125	$151	$62	$201	$112	$133	$91	$83	$77
Delaware	$241	$115	$139	$69	$180	$172	$115	$111	$102	$48
District of Columbia	$207	$130	$157	$101	$494	$144	$90	$116	$82	$43
Florida	$183	$188	$227	$89	$161	$103	$153	$99	$166	$47
Georgia	$165	$124	$149	$61	$263	$152	$115	$107	$110	$71
Hawaii	$118	$82	$99	$60	$128	$84	$78	$64	$72	$44
Idaho	$126	$95	$82	$81	$116	$73	$75	$65	$92	$55
Illinois	$128	$93	$92	$57	$79	$82	$91	$53	$57	$40
Indiana	$176	$114	$117	$47	$76	$93	$89	$64	$87	$62
Iowa	$140	$107	$79	$63	$183	$97	$69	$71	$69	$43
Kansas	$160	$114	$144	$75	$174	$92	$127	$81	$87	$56
Kentucky	$236	$164	$197	$80	$168	$184	$111	$98	$139	$72
Louisiana	$206	$176	$212	$141	$274	$181	$161	$124	$156	$98
Maine	$143	$99	$120	$72	$155	$103	$95	$78	$88	$53
Maryland	$201	$116	$140	$135	$181	$106	$121	$107	$103	$80
Massachusetts	$108	$84	$117	$37	$120	$87	$94	$59	$61	$37
Michigan	$406	$204	$335	$99	$424	$257	$152	$209	$183	$107
Minnesota	$160	$93	$108	$90	$375	$87	$101	$67	$94	$68
Mississippi	$148	$106	$135	$90	$129	$66	$98	$85	$114	$50
Missouri	$147	$120	$145	$72	$119	$96	$120	$82	$88	$54
Montana	$154	$125	$164	$82	$59	$88	$171	$70	$111	$50
Nebraska	$169	$82	$99	$69	$82	$111	$32	$77	$99	$44
Nevada	$136	$145	$107	$61	$398	$77	$110	$76	$88	$44
New Hampshire	$125	$112	$130	$92	$179	$77	$95	$69	$102	$56
New Jersey	$128	$77	$93	$50	$198	$77	$63	$59	$69	$41
New Mexico	$157	$115	$231	$74	$279	$119	$93	$113	$136	$61
New York	$158	$103	$131	$90	$161	$96	$86	$69	$91	$65
North Carolina	$165	$140	$155	$110	$111	$112	$82	$103	$91	$69
North Dakota	$147	$137	$165	$78	$200	$164	$96	$137	$175	$85
Ohio	$120	$62	$96	$59	$106	$114	$85	$70	$63	$41
Oklahoma	$135	$118	$136	$109	$184	$122	$110	$91	$105	$68
Oregon	$153	$106	$111	$93	$141	$111	$78	$75	$97	$58
Pennsylvania	$148	$108	$131	$68	$219	$86	$148	$76	$75	$57
Rhode Island	$189	$151	$183	$125	$235	$190	$116	$76	$103	$65
South Carolina	$133	$118	$166	$79	$185	$118	$105	$88	$105	$69
South Dakota	$136	$151	$113	$57	$230	$76	$105	$67	$97	$58
Tennessee	$144	$102	$86	$78	$11	$118	$92	$72	$88	$58
Texas	$201	$176	$137	$105	$178	$154	$121	$90	$101	$62
Utah	$117	$105	$115	$73	$119	$93	$95	$103	$88	$50
Vermont	$103	$83	$100	$69	$129	$86	$61	$63	$73	$43
Virginia	$142	$85	$103	$38	$100	$77	$181	$87	$75	$42
Washington	$114	$91	$102	$75	$92	$70	$60	$69	$81	$46
West Virginia	$123	$63	$109	$62	$84	$226	$94	$58	$72	$47
Wisconsin	$162	$115	$139	$83	$196	$104	$110	$79	$102	$67
Wyoming	$155	$111	$130	$111	$75	$114	$106	$82	$98	$57

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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption