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State Farm Drive Safe & Save or OnStar Review: How Much Can You Save (2021)

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 4, 2021

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Key Takeaways

  • Drive Safe and Save can save you up to 50% on your car insurance by scoring your driving behavior
  • You can save with the Drive Safe and Save app or OnStar
  • Drive Safe and Save tracks various driving behaviors and offers you a discount based on your score

All drivers want cheap car insurance, and most major companies now offer usage-based discounts. You can save up to 50% on your State Farm Drive Safe and Save or OnStar car insurance.

However, many companies offer a similar program, so shop around before you buy State Farm Drive Safe and Save or OnStar car insurance. Enter your ZIP code now to compare car insurance rates for multiple companies near you.

What is State Farm Drive Safe and Save or OnStar?

Many companies offer a driving device/app car insurance discount that allows you to be in control of your savings. The better you drive, the more you save.

You can get an initial discount and save up to 50% on your State Farm Drive Safe and Save or OnStar car insurance rates by using the program.

State Farm uses either your OnStar service or an app to monitor your driving.

If you have a vehicle with OnStar, the service can track your mileage and link to the Drive Safe and Save app. Once your OnStar is activated and you are enrolled in Drive Safe and Save, you are ready to earn your discount.

If you don’t have OnStar, State Farm will send you a small GPS beacon that you mount somewhere in your car, usually on your windshield. Then the beacon links to your app to monitor your driving.

In order to get the State Farm Drive Safe and Save discount, the following habits are tracked:

  • Speed
  • Hard braking
  • Hard acceleration
  • Cornering
  • Mileage
  • Location
  • Time of day

When it comes to State Farm Drive Safe and Save and speeding, the app records your speed and specifically, any time spent driving over 80 miles per hour.

The amount you save is based on your safe driving skills, if you drive a lot, and when you drive. Since discounts will vary for each driver, you can’t get a State Farm Drive Safe and Save or OnStar car insurance quote.

Although your State Farm car insurance rate won’t go up for poor driving, it can increase if your actual mileage is more than what you told State Farm.

State Farm customers can sign up for Drive Safe and Save at any time, and your discount is good until your policy renews. At that point, you will have to start the process over again.

Some people may have a State Farm Drive Safe and Save cheat. However, if you try to cheat the system, you can lose your discount and be charged with insurance fraud.

If you are having technical issues, you can call the State Farm Drive Safe and Save phone number at 888-559-1922.

Is State Farm Drive Safe and Save or OnStar worth it?

Consider the pros and cons of Drive Safe and Save before you make a decision. Even though you can get affordable State Farm Drive Safe and Save or OnStar car insurance, it might not be right for you.

Pros of Drive Safe and Save are:

  • You can earn up to a 50% discount on your car insurance
  • The program is free and simple to use
  • You are more aware of your driving

Programs like Drive Safe and Save can actually make you a safer driver. According to the Insurance Information Institute, telematics offers drivers immediate feedback on driving, making it easier to correct bad driving habits.

Cons of Drive Safe and Save are:

  • The app uses your battery and data
  • There are some privacy concerns about your data being recorded and stored
  • If your mileage is significantly different than what you told State Farm, your rates can increase
  • The discount is only good until your policy renews

State Farm Drive Safe and Save or OnStar car insurance companies aren’t the only ones offering this type of discount. Compare car insurance rates from various companies near you for free by entering your ZIP code now.

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