Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

Full Bio →

Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Sep 7, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.

The Truth in a Nutshell

  • State Farm Drive Safe and Save or OnStar can save you up to 30% on your car insurance
  • Driving behaviors such as hard braking, speeding, and distracted driving are monitored to calculate your discount
  • If you score badly, State Farm won’t raise your car insurance rates

You can save big on your State Farm Drive Safe and Save or OnStar car insurance rates based on the way you drive your car. However, your discount can change every time you renew your policy.

There are many pros and cons of usage-based car insurance, and we will go through those for you so that you can make the best decision for you.

Before you buy State Farm Drive Safe and Save or OnStar car insurance, shop around and compare programs from other companies to find your best deal.

Keep reading to learn more about State Farm Drive Safe and Save or OnStar car insurance. Before you begin, enter your ZIP code to compare free quotes from car insurance companies near you.

What is State Farm Drive Safe and Save or OnStar car insurance?

State Farm Drive Safe and Save or OnStar insurance discounts can save you up to 30% on your auto insurance rates by monitoring your driving.

State Farm is one of the top 10 insurance companies in the United States. This table will show you how State Farm car insurance rates stack up against other top competitors.

Although you can’t get a State Farm Drive Safe and Save or OnStar car insurance quote, this will give you an idea of how much that 30% can mean for you.

Average Annual Car Insurance Rates Based on Driving History
Insurance CompaniesAverage Annual Rates with a Clean Driving RecordAverage Annual Rates with One AccidentAverage Annual Rates with One DUIAverage Annual Rates with One Speeding Violation
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
GEICO$2,145.96$3,192.77$4,875.87$2,645.43
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
USAA$1,933.68$2,516.24$3,506.03$2,193.25
Get Your Rates Quote Now

Compare RatesStart Now →

Now that you know how much you can save, let’s look at how the program works.

There are two different ways to participate in the State Farm Drive Safe and Save or OnStar program.

First, you can download the State Farm Drive Safe app. The app runs in the background on your phone.

This app is used along with the State Farm Drive Safe and Save beacon that is sent to you. This beacon goes on your windshield and relays information to your app.

The other way to participate is to use OnStar that’s already activated in your vehicle. While there isn’t an OnStar insurance discount, OnStar can be used to send your mileage to State Farm to help calculate your discount.

Is OnStar a vehicle tracking system? The short answer is yes, OnStar can track your vehicle and submit mileage reports via GPS.

Pros to participating in State Farm Drive Safe and Save or OnStar include a discount of up to 30%, it’s free to use, and your rates won’t increase.

State Farm Drive Safe and Save reviews are also favorable. Most drivers report that the program is easy to use.

Cons include lack of privacy since your driving will be tracked, data usage, and phone battery usage.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What does State Farm Drive Safe and Save or OnStar monitor?

If you are just using OnStar to participate in Drive Safe and Safe, the only thing monitored will be your mileage. However, drivers who average over 7,500 miles a year may lose a low mileage discount.

If you are using the beacon and app, other behaviors are monitored. Drive Safe and Save from State Farm will base your discount on these behaviors:

  • Speeding
  • Hard Braking
  • Fast Cornering
  • Distracted Driving

Speeding, hard braking, and fast cornering can all show aggressive driving behaviors that can lead to accidents and tickets.

Distracted driving is a huge problem for drivers. According to the National Highway Traffic Safety Administration, 3,142 people died in 2019 as a result of distracted driving.

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

Drive Safe and Save is free to try, and OnStar will be free to use since you already have it activated.

State Farm won’t raise your rates if you score poorly, but you might lose your low mileage discount if you drive more than you report.

There are not a lot of downsides to trying State Farm Drive Safe and Save or OnStar. Basically, the only thing you have to lose is a little bit of your privacy.

What are other ways to save with State Farm?

State Farm Drive Safe and Save or OnStar isn’t the only way to save with State Farm. Take advantage of other car insurance discounts to save even more.

This table shows you car insurance discounts offered by State Farm. The amount of the discount is listed if it is known.

State Farm Car Insurance Discounts
Car Insurance DiscountsState Farm (%)
Anti-lock Brakes5
Anti-Theft15
Claim Free15
Defensive Driver5
Distant Studentx
Driver's Ed15
Driving Device/App30
Good Creditx
Good Student25
Homeowner3
Low Mileage30
Marriedx
Militaryx
Multiple Policies17
Multiple Vehicles20
Newer Vehicle40
Paperless/Auto Billing$2
Passive Restraint40
Safe Driver15
Vehicle Recovery5
Get Your Rates Quote Now

Compare RatesStart Now →

Bundle multiple discounts with your State Farm Drive Safe and Save or OnStar discount to save even more.

State Farm Drive Safe and Save or OnStar Car Insurance: The Bottom Line

State Farm Drive Safe and Save or OnStar is a great program for drivers who drive safely, don’t drive very far, and are looking for ways to save money on car insurance.

You get to decide just how affordable State Farm Drive Safe and Save or OnStar car insurance is for you based on your driving.

Shop around and compare rates from multiple companies before you buy State Farm insurance to find your best deal.

We hope you’ve learned all you need to know about State Farm Drive Safe and Save or OnStar car insurance. Before you go, enter your ZIP code to compare free quotes from car insurance companies in your area today.