Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jul 23, 2021

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The Short of It

  • State Farm Drive Safe and Save is one of the best usage-based insurance technologies that rewards careful drivers with discounts
  • OnStar uses telematics to track driving behaviors and transmit data to the State Farm Drive Safe and Save app
  • This article will show you why you may want to use the Drive Safe and Save system, what to expect from it, how to contact State Farm, and more

Auto accidents often happen due to reckless driving and other factors, such as driving under the influence, using phones, and driving over the speed limit.

But there is good news. The State Farm Drive Safe and Save/OnStar program will help you avoid reckless driving behaviors and give you a discount for doing so.

State Farm Drive Safe and Save is a usage-based auto insurance system that compensates careful drivers with discounts up to 50% if they perform well on the roads. Read our State Farm Drive Safe and Save program review below.

The State Farm Drive Safe and Save auto insurance company is not the only way to save on car insurance. Enter your ZIP code into our free quote comparison tool above to find affordable car insurance near you.

What is State Farm Drive Safe and Save or OnStar?

State Farm Drive Safe and Save refers to the increasingly popular system in insurance strategies known as usage-based insurance (UBI).

State Farm Drive Safe and Save tracks certain driving behaviors with its State Farm Drive Safe and Save beacon feature, and it offers you the benefit of discounts when a driver rating is determined.

Regardless of what your rates are currently, this program identifies ways in which you can improve your driving skills and compensates you for responsible driving. 

You must have an OnStar-equipped vehicle to use the State Farm Drive Safe and Save app.

OnStar is a technology designed by General Motors. Just download the OnStar app and create an OnStar login to learn more about OnStar plans. OnStar services include building telematics and similar systems into cars.

Activate its telematics features to use the satellite tracking technology. Your driving behaviors will be visible to State Farm when you link the two systems.

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What does State Farm Drive Safe and Save monitor?

State Farm Drive Safe and Save works by measuring your speed and behaviors while driving. Some of the behaviors that the app tracks include:

  • Annual mileage – The more miles you drive, the more likely it is that you will be in an accident.
  • Acceleration – If you accelerate too quickly, it can make it more difficult to control your vehicle.
  • Braking – If you make frequent hard stops, this may indicate that you’re driving too fast or following other cars too closely.
  • Cornering – If you make quick or sharp turns, this could mean you’re not leaving yourself enough time or space to make the turn safely.
  • Phone use – The app will track phone use when the vehicle is moving. When you’re looking at your phone, you’re not looking at the road.
  • Speed – If you exceed the speed limit by at least eight miles per hour, this could affect acceleration, braking, cornering, and other driving habits.
  • Time of day – Accidents are more likely to happen if you drive during high-traffic times or at night.

After each driving period, you will be able to see a map of your route with any driving events that have been recorded.

How can I save money with Drive Safe and Save?

Your State Farm Drive Safe and Save auto insurance rates are recalculated every time your policy renews, which is typically every six months. Your data on the Drive Safe and Save database will be used to determine how safely you drive.

Taking this data into account, you will receive an auto insurance discount between 5% and 50%, depending on how well you drive according to State Farm’s rating standards.

How much is State Farm Drive Safe and Save auto insurance?

Let’s begin by taking a look at average State Farm auto insurance rates by state:

State Farm Sample Rates by State
State State Farm Annual PremiumCompared to State Average (+/-)Compared to State Average (%)
District of Columbia$4,074.05-$365.20-8.23%
New Hampshire$2,185.46-$966.32-30.66%
New Jersey$7,527.16$2,011.9436.48%
New Mexico$2,340.66-$1,122.98-32.42%
New York$4,484.58$194.704.54%
North Carolina$3,078.65-$314.46-9.27%
North Dakota$2,560.53-$1,605.32-38.54%
Rhode Island$2,406.51-$2,596.85-51.90%
South Carolina$3,071.34-$709.80-18.77%
South Dakota$2,306.23-$1,676.05-42.09%
West Virginia$2,126.32-$469.04-18.07%
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When you sign up for the Drive Safe and Save program and drive with caution, you can receive lower rates.

Signing up gets you an automatic 5% discount, and then you can earn up to 50% off if you drive safely. However, you will be required to agree that your driving behavior can be supervised at all times.

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How can I contact State Farm or OnStar?

State Farm Drive Safe and Save customer service can be reached by calling (800) STATE-FARM (800-782-8332).

You can pay your insurance premiums by calling (800) 440-0998 or sending your payment to State Farm Insurance Companies, Insurance Support Center – East, PO Box 588002, North Metro, GA 30029.

To file an auto insurance claim, you can call (800) 732-5246 (or (888) 624-4410 for glass-only claims). Emergency road service can be reached at (877) 627-5757.

You can also access State Farm by getting the app and logging into your account. Manage your policy, payments, and claims online.

OnStar customer service can be reached at (888) 4ONSTAR (888-466-7827).

Should I buy State Farm Drive Safe and Save auto insurance?

State Farm Drive Safe and Save auto insurance is designed to lower your rates. You only have to drive with care for the discount to be yours. If you are confident in your safe driving abilities, it may be worth using the program for the discount.

State Farm and OnStar are both reputable companies that have a large number of customers. This means that they are likely to provide excellent customer service and auto insurance policies that are affordable.

While affordable State Farm Drive Safe and Save auto insurance quotes may be available, you won’t know exactly how much you’ll pay until after you try it. If you want to find affordable auto insurance right now, enter your ZIP code in the free quote comparison tool below.