State Farm Drive Safe and Save or OnStar Program Review for 2021

Enroll in the State Farm Drive Safe and Save or OnStar auto insurance usage-based program and earn up to 30 percent off your auto insurance premiums. Using the Drive Safe and Save mobile app or an OnStar-enabled vehicle, State Farm will evaluate odometer readings and other driving habits to determine your savings amount every six months. Track your progress and receive safe driver tips in the mobile app. Scroll down to learn if State Farm Drive Safe and Save or OnStar is right for you.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Mar 30, 2021

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Can't-Miss Facts

  • With State Farm Drive Safe and Save or OnStar, you can save up to 30 percent on your premiums as a safe driver and low-mileage reward.
  • You can use either the State Farm Drive Safe and Save mobile application and Bluetooth device or sign up with an OnStar account with an OnStar-enabled vehicle. Only odometer readings impact OnStar users.
  • Enrolling in State Farm’s Drive Safe program through the mobile app or OnStar will not result in any rate increases.

You don’t need Jake from State Farm to use the State Farm Drive Safe and Save or OnStar program to receive a 30 percent discount on your policy.

Read through our guide to learn how OnStar plans or the State Farm Drive Safe program can lead to cheap auto insurance rates for any State Farm insurance customer.

Before you decide to buy State Farm car insurance or participate in the State Farm Drive Safe and Save or OnStar insurance programs, compare auto insurance quotes from reputable providers near you by entering your ZIP code into our free quote tool above.

What is State Farm Drive Safe and Save and OnStar?

State Farm Insurance Drive Safe and Save is one of the top usage-based insurance programs (UBI) that monitors your driving techniques and rewards you with a discount based on a final score.

Alternatively, State Farm allows drivers to use an OnStar-enabled vehicle to track odometer readings for the Drive Safe and Save deal.

UBI programs give insurers a more accurate understanding of a person's driving risk level, according to the National Association of Insurance Commissioners (NAIC).

Whether you use OnStar or the mobile app, safe drivers can save up to 30 percent on their premiums. State Farm will not increase your rates as a result of participating in the program.

However, if you drive more than 7,500 miles annually and were previously receiving a low-mileage discount, you may lose it.

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How does State Farm Drive Safe and Save and OnStar work?

The State Farm Drive Safe and Save program works differently on the mobile app than when using OnStar.

To enroll using the mobile app, text 78836, download the app, and follow the enrollment instructions.

The app connects to a Bluetooth beacon for your windshield sent to you after enrollment. Keep Bluetooth and location services turned on for the app to record your trips.

Track your discount progress and receive safe driving tips through the Drive Safe and Save mobile app.

Through OnStar, you must have an active OnStar plan and an enabled vehicle. State Farm requests odometer information from OnStar within 30 days after you’ve enrolled in the program.

Find your discount through the Drive Safe and Save account page using your State Farm login. You can also see this information in the app.

Either way, your discount updates approximately every six months. Not everyone on your policy needs to enroll in the program. The program connects to vehicles on your policy, not the drivers.

State Farm also offers the Steer Clear UBI program for drivers younger than 25-years-old.

Report problems or inaccuracies within your app by calling 888-559-1922 or emailing State Farm through the company website.

What driving habits does State Farm Drive Safe and Save and OnStar track?

Primarily, the State Farm Drive Safe and Save program tracks the odometer readings on your vehicle and bases your automobile insurance discount on how far you’ve driven.

OnStar users are only evaluated based on odometer readings. Learn more by using your Onstar login information and tracking your account details.

The mobile app also tracks the following information:

  • Quick accelerations
  • Hard braking events
  • Fast corners
  • Speeding
  • Distracted driving
  • Time of day

Distracted driving refers specifically to phone use while in a vehicle.

According to the privacy policy, State Farm only shares data gathered about you within the State Farm family of companies on an as-needed basis.

Privacy laws vary by state.

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

No matter who you are, you’ll receive an affordable State Farm Drive Safe and Save or OnStar auto insurance discount.

One major pro to enrolling in the program is that it will not lead to any rate increases. State Farm also cannot use your data for research and development.

However, some people may not feel comfortable using a continuous program. Other UBI programs exist that last only 90 days to six months with a fixed discounted rate.

Now that you know the State Farm Drive Safe and Save or OnStar auto insurance rates see what other UBI programs are out there by entering your ZIP code into our free quote tool below.

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