State Farm Drive Safe & Save or OnStar Review for 2024
State Farm Drive Safe & Save with OnStar provides a 30% discount for safe drivers and an initial 5% discount for State Farm customers signing up for the app. To secure more affordable State Farm auto insurance rates, drivers have to maintain safe driving habits, but rates won't increase for bad driving.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Aug 31, 2023
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Aug 31, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- State Farm Drive Safe & Save provides a 30% discount if you’re a safe driver
- OnStar is a telematics system and emergency car assistance service
- State Farm has paired with OnStar for the Drive Safe & Save program
Did you know you don’t have to choose between State Farm Drive Safe & Save or OnStar? State Farm and OnStar have teamed up for the Drive Safe & Save program.
But what is State Farm Drive Safe & Save? And how can you access affordable car insurance through this usage-based insurance program?
Read our State Farm Drive Safe & Save or OnStar review to learn how Drive Safe & Save works with OnStar and how the program affects State Farm auto insurance rates.
Once you’ve finished reading about State Farm Drive Safe & Save with OnStar, enter your ZIP code in the free online quote tool above to compare multiple car insurance companies in your area.
How does State Farm Drive Safe & Save with OnStar work?
State Farm Drive Safe & Save provides up to 30% off when you practice good driving habits. If you’re a member of OnStar, you can receive an additional discount for driving less.
The OnStar app tracks the miles you drive. State Farm requests your odometer information from OnStar and determines if you’re eligible for an additional discount.
To use the OnStar app, you’ll need to become an OnStar member. After you’ve established membership, a representative will explain how to start the OnStar activation process.
If you haven’t gotten any State Farm car insurance quotes yet, try to pick the highest commute mileage estimate to avoid driving over the estimated limit. Driving over the estimated commute mileage may disqualify you for a discount.
Do I need a telematics device for State Farm Drive Safe & Save?
The State Farm Insurance Company provides a Bluetooth beacon for Drive Safe & Save users. If you don’t have OnStar, you’ll need to download the State Farm Drive Safe & Save app. State Farm doesn’t use an OBD port.
Download and install the app from Google Play Store or Apple App Store. If you want to access it quickly, text 78836 and follow the enrollment details.
You can cancel your Drive Safe & Save service for current Drive Safe & Save users by calling the State Farm Drive Safe & Save phone number at 1-800-782-8332. Or you can cancel online by using your State Farm login.
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What does State Farm Drive Safe & Save monitor?
Drive Safe & Save record a few driving behaviors as the app runs in the background.
- Speeding
- Hard Braking
- Distracted Driving
- Time of Day (Night Driving)
- Turning Speed
When you include OnStar, Drive Safe & Save monitors the miles you drive.
Stay away from advice that points to a State Farm Drive Safe & Save cheat. You could lose your savings if you try to trick the system, and there’s really no reason to since bad driving habits won’t increase your State Farm insurance rates.
How does Drive Safe & Save impact State Farm car insurance rates?
The State Farm car insurance company is one of the companies that offer the cheapest car insurance rates in the United States. When you qualify for the maximum Drive Safe & Save discount, you can lower your rates even more.
Before you buy State Farm car insurance, look at this example of how the Drive Safe & Save discount affects State Farm car insurance rates.
- State Farm Auto Insurance Rate w/o Discount – $272/month
- State Farm Auto Insurance Rate w/ Low Mileage Discount – $265/month
- State Farm Auto Insurance Rate w/ Drive Safe & Save Discount – $191/month
- State Farm Auto Insurance Rate w/ Good Credit Discount – $181/month
A lot of personal factors go into whether affordable State Farm car insurance is available to you. The best way to get cheap State auto insurance quotes is to stack discounts.
Check out our State Farm auto insurance review to learn more about how you can save money with the top car insurance company in the United States.
Is State Farm Drive Safe & Save worth it?
A fair State Farm Drive Safe & Save review depends on your situation. If your auto insurance rate has increased recently, Drive Safe & Save could save you hundreds.
If you don’t like the idea of an automated system determining your discounts, Drive Safe & Save and OnStar isn’t right for you.
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State Farm Drive Safe & Save or OnStar Review: What’s the bottom line?
Ultimately, Drive Safe & Save offers a significant deal if you can maintain safe driving habits. When your credit is exceptional or good, you can save over $1,000 per year.
Weigh out your options before you commit to buying a car insurance policy.
Now that you know more about State Farm Drive Safe & Save with OnStar, use our free comparison tool below to compare multiple companies near you.
Frequently Asked Questions
What is Drive Safe & Save from State Farm?
State Farm’s Drive Safe & Save program is a usage-based car insurance program that allows drivers to save money on their car insurance premiums by tracking their driving behavior. The program uses telematics technology to track factors like speed, acceleration, and braking.
How does the Drive Safe & Save program work?
To participate in the Drive Safe & Save program, you will need to have a compatible telematics device installed in your car. The device will track your driving behavior and send the data to State Farm. Based on your driving habits, you may be eligible for discounts on your car insurance premiums.
What is OnStar and how does it work with State Farm car insurance?
OnStar is a connected car service that offers features like emergency roadside assistance, vehicle diagnostics, and remote vehicle access. State Farm offers a discount on car insurance premiums for customers who have an OnStar subscription and link their OnStar account to their State Farm policy.
How much can I save with the Drive Safe & Save or OnStar program?
The amount you can save with the Drive Safe & Save or OnStar program varies depending on your driving behavior and other factors. Some drivers can save up to 30% on their car insurance premiums with these programs.
Is my driving data private when participating in the Drive Safe & Save program?
Yes, your driving data is kept private when participating in the Drive Safe & Save program. State Farm only uses the data to determine your eligibility for discounts on your car insurance premiums.
How do I enroll in the Drive Safe & Save or OnStar program?
To enroll in the Drive Safe & Save program, you will need to contact a State Farm agent and request to participate in the program. To link your OnStar account to your State Farm policy, you can log in to your State Farm account and follow the instructions on the website.
What happens if I don’t drive safely while participating in the Drive Safe & Save program?
If you don’t drive safely while participating in the Drive Safe & Save program, you may not be eligible for discounts on your car insurance premiums. Additionally, if your driving behavior is particularly unsafe, State Farm may cancel your participation in the program.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.