State Farm Drive Safe and Save Review

State Farm policyholders who practice careful driving can use the Drive Safe & Save app to save up to 30% on their insurance premiums.
Written by Jacqulyn Graber
Edited by Pat Roache
The State Farm Drive Safe and Save™ telematics program tracks and rewards safe driving habits with a
car insurance discount
of up to 30%. 
  • Safe drivers can easily save money on
    State Farm car insurance
    with Drive Safe and Save discounts of up to 30%.
  • State Farm uses telematic monitoring to give you a monthly driving score and determine the insurance discount to be applied at your next policy renewal.
  • Drive Safe and Save does not penalize bad driving and includes an automatic 5% enrollment discount—so everyone can save!

State Farm Drive Safe and Save discount program: the basics

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Drive Safe and Save is a State Farm usage-based insurance program that rewards safe drivers with a discount of up to 30% on
auto insurance
How it works: This program uses
telematic data
to monitor your driving behavior. State Farm then analyzes the data to generate a driving score that determines how much you’ll save on your insurance rate at your next renewal.
Drive Safe and Save auto insurance discount amounts vary by state, but drivers can generally expect the following:
  • Initial discount: Drivers automatically save 5% on their State Farm insurance policy upon enrolling in the Drive Safe and Save program.
  • Driving score discount: Policyholders with good driving scores can earn up to 30% in total discounts applied at their next policy renewal.
State Farm tracks your driving via one of the following:
  • A special beacon installed on your windshield
  • Your FordPass™ (for 2020 or newer Ford vehicles)
  • Your Lincoln Way™ app (for 2020 or newer Lincoln vehicles)

What driving data does Drive Safe and Save monitor?

Driving data
How to earn a discount with Drive Safe and Save
Speeding up too quickly can cause you to lose control of your car, making you more likely to get involved in an accident. 
Practice easy acceleration while you drive.
Hard braking is sometimes necessary, but it shouldn’t be habitual. 
State Farm rewards braking that is gradual and slow.
State Farm’s beacon monitors how quickly you take corners. Sharp turns are often an indicator of aggressive behavior.
Make smooth, slow turns whenever possible.
The beacon will track your driving speed and monitor when you exceed the speed limit by more than 8 miles per hour. 
Obey the speed limit and your discounts will grow.
Phone usage
The Drive Safe and Save app tracks
distracted driving
through phone movement and screen use.
Keep your hands on the wheel and your eyes on the road whenever you are driving—even touching your phone could affect your score.
Time of day
Driving at times of lighter traffic will increase your chances of building your discount.
If possible, avoid driving during rush hour or in late-night traffic

Drive Safe and Save does not penalize bad driving

Unlike some popular telematics programs from other popular insurance companies (like
Progressive Snapshot
), State Farm’s Drive Safe and Save is strictly a rewards program:
  • Policyholders who are still ironing out some “bad” driving habits won’t receive a surcharge on their State Farm car insurance rates
  • Traffic stops and tickets will not affect your ability to accrue discounts in the Drive Safe and Save program
  • A single bad month of driving won’t detract from any previously accrued discounts
Keep in mind: Drive Safe and Save does track your annual mileage. This could put any
low-mileage discounts
you have on your policy at risk if you end up driving more than the permitted 7,500 miles per year.

How to set up State Farm’s Drive Safe and Save program

You can enroll in Drive Safe and Save using the mobile app or your car’s connected integration feature. Connected car integration is available on most 2020 or newer Ford and Lincoln vehicles.

Using the mobile app

  1. Text SAVE to 42407 for a download link for the “State Farm Drive Safe and Save” app.
  2. Log in to with your user ID and password and enroll in the program. 
  3. State Farm will send you a Bluetooth beacon in the mail. When it arrives, follow the instructions and attach the beacon to your windshield.

Using a connected car

  1. Add your eligible Ford or Lincoln to your Garage in your FordPass or LincolnWay mobile app.
  2. Call your State Farm insurance agent to let them know you’d like to enroll.
  3. Complete an in-vehicle agreement to complete enrollment the next time you turn on your car.

State Farm Drive Safe and Save is worth it for most drivers

Any State Farm policyholder can save an immediate 5% on their auto insurance rates by enrolling in Drive Safe and Save:
  • Good drivers: Save up to 30% on your premium just by continuing your safe driving habits
  • Bad drivers: You won’t be penalized for any bad driving habits—and the 30% discount incentive may be just what you need to clean up your driving skills
State Farm’s program is also a great idea for
young drivers
who tend to pay much higher premiums. As long as they’re good drivers, young drivers will save a bundle with discounts accruing on their policy each month.
The only downside: Some drivers may not be comfortable having their driving habits tracked.
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Correct. The discounts you’ve already accrued won’t be withdrawn. Do note, though, that if you have an off month or two, you won’t accrue discounts to your policy like you did when your driving was exemplary. All the more reason to focus on driving safely!
Yes, where you live will affect the size of the discount you’ll be awarded. Your State Farm agent will inform you of the discount range you can expect in your state.
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