Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Jul 1, 2021

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Just What's Essential

  • State Farm Drive Safe and 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 and Save program

Did you know you don’t have to choose between State Farm Drive Safe and Save or OnStar? State Farm and OnStar have teamed up for the Drive Safe and Save program.

But what is State Farm Drive Safe and Save? And how can you access affordable car insurance through this usage-based insurance program?

Read our State Farm Drive Safe and Save or OnStar review to learn how Drive Safe and Save works with OnStar and how the program affects State Farm auto insurance rates.

Once you’ve finished reading about State Farm Drive Safe and 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 and Save with OnStar work?

State Farm Drive Safe and 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 and Save?

The State Farm Insurance Company provides a Bluetooth beacon for Drive Safe and Save users. If you don’t have OnStar, you’ll need to download the State Farm Drive Safe 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 and Save service for current Drive Safe and Save users by calling the State Farm Drive Safe and Save phone number at 1-800-782-8332. Or you can cancel online by using your State Farm login.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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What does State Farm Drive Safe and Save monitor?

Drive Safe and 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 and Save monitors the miles you drive.

Stay away from advice that points to a State Farm Drive Safe and 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 and 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 and 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 and 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 and 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 and Save with OnStar worth it?

A fair State Farm Drive Safe and Save review depends on your situation. If your auto insurance rate has increased recently, Drive Safe and Save could save you hundreds.

If you don’t like the idea of an automated system determining your discounts, Drive Safe and Save and OnStar isn’t right for you.

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State Farm Drive Safe and Save or OnStar Review: What’s the bottom line?

Ultimately, Drive Safe and 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 and Save with OnStar, use our free comparison tool below to compare multiple companies near you.