State Farm Drive Safe and Save Insurance Review & Ratings (2024)

Embark on a journey into the innovative realm of State Farm Drive Safe and Save Insurance through this comprehensive 2000-word article. Unveiling a holistic overview, the exploration begins with an enticing introduction and a detailed list of insurance types offered by State Farm.

Delving deeper, readers are introduced to the revolutionary Drive Safe and Save program, where safe driving habits translate into personalized discounts. The article navigates through coverage options, discounts, and the operational dynamics of the program, emphasizing State Farm’s commitment to safety and community.

Real customer testimonials provide authentic insights, and practical tips enhance the reader’s understanding of safety and prevention. The State Farm app takes center stage as a crucial tool in maximizing the benefits of the program.

The piece concludes by elucidating why State Farm is the insurance choice for millions, rounding off with a set of engaging FAQs that address key aspects discussed in the article, fostering a comprehensive understanding of State Farm’s unique approach to insurance.

What You Should Know About State Farm Insurance

Welcome to our comprehensive guide on State Farm Drive Safe and Save Insurance. In this article, we will explore the features, benefits, and discounts offered by State Farm’s usage-based insurance program. We’ll discuss how safe driving can earn you rewards and discounted premiums, and how the program works to personalize your coverage based on your driving habits.

Read more: State Farm Car Insurance Discounts

To find the best insurance rates in your area and save money, simply enter your zip code below and compare quotes from top insurance providers. Take control of your insurance and drive safe while saving with State Farm Drive Safe and Save car insurance discount program.

What is State Farm Drive Safe and Save?

The State Farm Drive Safe and Save app connects to a Bluetooth beacon that State Farm will provide you once you enroll. As long as you keep your Bluetooth on the app will provide you with driving feedback.

Here are some things it will tell you about, so you can correct your driving habits and begin saving money.

• Distracted Driving
• Fast Cornering
• Hard Braking
• Quick Acceleration
• Speeding

If you limit these suboptimal driving behaviors you’ll begin to see discounts on your premiums. Keep in mind that insurance companies are all about risk and this app really just simplifies the process for both you and the insurer.

Before we go into a little more detail on how you can save, let’s take a look at the rates you’d be decreasing. Consult the following table to see rates for not only State Farm but other companies as well.

Read more: North Carolina Car Insurance Discounts

State Farm vs Other Leading Providers Average Annual Car Insurance Rates

State	Average Annual Rates by State
Alabama	$3,566.96	$3,311.52	Data Not Available	$4,185.80	$2,866.60	$4,005.48	$2,662.66	$4,450.52	$4,798.15	$3,697.80	$2,124.09
Alaska	$3,421.51	$3,145.31	$4,153.07	Data Not Available	$2,879.96	$5,295.55	Data Not Available	$3,062.85	$2,228.12	Data Not Available	$2,454.21
Arizona	$3,770.97	$4,904.10	Data Not Available	$5,000.08	$2,264.71	Data Not Available	$3,496.08	$3,577.50	$4,756.25	$3,084.74	$3,084.29
Arkansas	$4,124.98	$5,150.03	Data Not Available	$4,257.87	$3,484.63	Data Not Available	$3,861.79	$5,312.09	$2,789.03	$5,973.33	$2,171.06
California	$3,688.93	$4,532.96	Data Not Available	$4,998.78	$2,885.65	$3,034.42	$4,653.19	$2,849.67	$4,202.28	$3,349.54	$2,693.87
Colorado	$3,876.39	$5,537.17	$3,733.02	$5,290.24	$3,091.69	$2,797.74	$3,739.47	$4,231.92	$3,270.77	Data Not Available	$3,338.87
Connecticut	$4,618.92	$5,831.60	Data Not Available	Data Not Available	$3,073.66	$7,282.87	$3,672.34	$4,920.35	$2,976.24	$6,004.29	$3,190.00
Delaware	$5,986.32	$6,316.06	Data Not Available	Data Not Available	$3,727.29	$18,360.02	$4,330.21	$4,181.83	$4,466.85	$4,182.36	$2,325.98
District of Columbia	$4,439.24	$6,468.92	Data Not Available	Data Not Available	$3,692.81	Data Not Available	$4,848.98	$4,970.26	$4,074.05	Data Not Available	$2,580.44
Florida	$4,680.46	$7,440.46	Data Not Available	Data Not Available	$3,783.63	$5,368.15	$4,339.60	$5,583.30	$3,397.67	Data Not Available	$2,850.41
Georgia	$4,966.83	$4,210.70	Data Not Available	Data Not Available	$2,977.20	$10,053.44	$6,484.90	$4,499.22	$3,384.88	Data Not Available	$3,157.46
Hawaii	$2,555.64	$2,173.49	Data Not Available	$4,763.82	$3,358.86	$3,189.55	$2,551.83	$2,177.93	$1,040.28	Data Not Available	$1,189.35
Idaho	$2,979.09	$4,088.76	$3,728.79	$3,168.28	$2,770.68	$2,301.51	$3,032.19	Data Not Available	$1,867.96	$3,226.29	$1,877.61
Illinois	$3,305.48	$5,204.41	$3,815.31	$4,605.20	$2,779.16	$2,277.65	$2,711.81	$3,536.65	$2,344.88	$2,499.76	$2,770.21
Indiana	$3,414.97	$3,978.81	$3,679.68	$3,437.55	$2,261.07	$5,781.35	Data Not Available	$3,898.00	$2,408.94	$3,393.75	$1,630.86
Iowa	$2,981.28	$2,965.86	$3,021.81	$2,435.72	$2,296.16	$4,415.28	$2,735.44	$2,395.50	$2,224.51	$5,429.38	$1,852.57
Kansas	$3,279.62	$4,010.23	$2,146.40	$3,703.77	$3,220.65	$4,784.42	$2,475.59	$4,144.38	$2,720.00	$4,341.43	$2,382.61
Kentucky	$5,195.40	$7,143.92	Data Not Available	Data Not Available	$4,633.59	$5,930.97	$5,503.23	$5,547.63	$3,354.32	$6,551.68	$2,897.89
Louisiana	$5,711.34	$5,998.79	Data Not Available	Data Not Available	$6,154.60	Data Not Available	Data Not Available	$7,471.10	$4,579.12	Data Not Available	$4,353.12
Maine	$2,953.28	$3,675.59	Data Not Available	$2,770.15	$2,823.05	$4,331.39	Data Not Available	$3,643.59	$2,198.68	$2,252.97	$1,930.79
Maryland	$4,582.70	$5,233.17	Data Not Available	Data Not Available	$3,832.63	$9,297.55	$2,915.69	$4,094.86	$3,960.87	Data Not Available	$2,744.14
Massachusetts	$2,678.85	$2,708.53	Data Not Available	Data Not Available	$1,510.17	$4,339.35	Data Not Available	$3,835.11	$1,361.86	$3,537.94	$1,458.99
Michigan	$10,498.64	$22,902.59	Data Not Available	$8,503.60	$6,430.11	$20,000.04	$6,327.38	$5,364.55	$12,565.52	$8,773.97	$3,620.00
Minnesota	$4,403.25	$4,532.01	$3,521.29	$3,137.45	$3,498.54	$13,563.61	$2,926.49	Data Not Available	$2,066.99	Data Not Available	$2,861.60
Mississippi	$3,664.57	$4,942.11	Data Not Available	Data Not Available	$4,087.21	$4,455.94	$2,756.53	$4,308.85	$2,980.48	$3,729.32	$2,056.13
Missouri	$3,328.93	$4,096.15	$3,286.90	$4,312.19	$2,885.33	$4,518.67	$2,265.35	$3,419.14	$2,692.91	Data Not Available	$2,525.78
Montana	$3,220.84	$4,672.10	Data Not Available	$3,907.55	$3,602.35	$1,326.11	$3,478.26	$4,330.76	$2,417.74	Data Not Available	$2,031.89
Nebraska	$3,283.68	$3,198.83	$2,215.13	$3,997.29	$3,837.49	$6,241.52	$2,603.94	$3,758.01	$2,438.71	Data Not Available	$2,330.78
Nevada	$4,861.70	$5,371.62	$5,441.18	$5,595.56	$3,662.09	$6,201.55	$3,477.14	$4,062.57	$5,796.34	$5,360.41	$3,069.07
New Hampshire	$3,151.77	$2,725.01	Data Not Available	Data Not Available	$1,615.02	$8,444.41	$2,491.10	$2,694.45	$2,185.46	Data Not Available	$1,906.96
New Jersey	$5,515.21	$5,713.58	Data Not Available	$7,617.00	$2,754.94	$6,766.62	Data Not Available	$3,972.72	$7,527.16	$4,254.49	Data Not Available
New Mexico	$3,463.64	$4,200.65	Data Not Available	$4,315.53	$4,458.30	Data Not Available	$3,514.38	$3,119.18	$2,340.66	Data Not Available	$2,296.77
New York	$4,289.88	$4,740.97	Data Not Available	Data Not Available	$2,428.24	$6,540.73	$4,012.93	$3,771.15	$4,484.58	$4,578.79	$3,761.69
North Carolina	$3,393.11	$7,190.43	Data Not Available	Data Not Available	$2,936.69	$2,182.71	$2,848.03	$2,382.61	$3,078.65	$3,132.66	Data Not Available
North Dakota	$4,165.84	$4,669.31	$3,812.40	$3,092.49	$2,668.24	$12,852.83	$2,560.35	$3,623.06	$2,560.53	Data Not Available	$2,006.80
Ohio	$2,709.71	$3,197.22	$1,515.17	$3,423.01	$1,867.19	$4,429.74	$3,300.89	$3,436.96	$2,507.88	$3,135.16	$1,478.46
Oklahoma	$4,142.33	$3,718.62	Data Not Available	$4,142.40	$3,437.34	$6,874.62	Data Not Available	$4,832.35	$2,816.80	Data Not Available	$3,174.15
Oregon	$3,467.77	$4,765.95	$3,527.28	$3,753.52	$3,220.12	$4,334.55	$3,176.83	$3,629.13	$2,731.48	$2,892.19	$2,587.15
Pennsylvania	$4,034.50	$3,984.12	Data Not Available	Data Not Available	$2,605.22	$6,055.20	$2,800.37	$4,451.00	$2,744.23	$7,842.47	$1,793.37
Rhode Island	$5,003.36	$4,959.45	Data Not Available	Data Not Available	$5,602.63	$6,184.12	$4,409.63	$5,231.09	$2,406.51	$6,909.45	$4,323.98
South Carolina	$3,781.14	$3,903.43	Data Not Available	$4,691.85	$3,178.01	Data Not Available	$3,625.49	$4,573.08	$3,071.34	Data Not Available	$3,424.77
South Dakota	$3,982.27	$4,723.72	$4,047.47	$3,768.80	$2,940.29	$7,515.99	$2,737.66	$3,752.81	$2,306.23	Data Not Available	Data Not Available
Tennessee	$3,660.89	$4,828.85	Data Not Available	$3,430.07	$3,283.42	$6,206.69	$3,424.96	$3,656.91	$2,639.30	$2,738.52	$2,739.28
Texas	$4,043.28	$5,485.44	$4,848.72	Data Not Available	$3,263.28	Data Not Available	$3,867.55	$4,664.69	$2,879.94	Data Not Available	$2,487.89
Utah	$3,611.89	$3,566.42	$3,698.77	$3,907.99	$2,965.57	$4,327.76	$2,986.57	$3,830.10	$4,645.83	Data Not Available	$2,491.10
Vermont	$3,234.13	$3,190.38	Data Not Available	Data Not Available	$2,195.71	$3,621.08	$2,128.21	$5,217.14	$4,382.84	Data Not Available	$1,903.55
Virginia	$2,357.87	$3,386.80	Data Not Available	Data Not Available	$2,061.53	Data Not Available	$2,073.00	$2,498.58	$2,268.95	Data Not Available	$1,858.38
Washington	$3,059.32	$3,540.52	$3,713.02	$2,962.00	$2,568.65	$3,994.73	$2,129.84	$3,209.52	$2,499.78	Data Not Available	$2,262.16
West Virginia	$2,595.36	$3,820.68	Data Not Available	Data Not Available	$2,120.80	$2,924.39	Data Not Available	Data Not Available	$2,126.32	Data Not Available	$1,984.62
Wisconsin	$3,606.06	$4,854.41	$1,513.27	$3,777.49	$3,926.20	$6,758.85	$5,224.99	$3,128.91	$2,387.53	Data Not Available	$2,975.74
Wyoming	$3,200.08	$4,373.93	Data Not Available	$3,069.35	$3,496.56	$1,989.36	$3,187.20	$4,401.17	$2,303.55	Data Not Available	$2,779.53

Read more: Minnesota Car Insurance Discounts

Other ways to save with Drive Safe and Save are limiting night driving time, limiting driving during times of decreased visibility, trying ride-sharing services, public transportation, or biking.

Read more: Texas Car Insurance Discounts

Now that we’ve gone through what State Farm’s Drive Safe and Save app does for you, let’s learn how to enroll.

Read more: Montana Car Insurance Discounts

How do you enroll in State Farm’s Drive Safe and Save program?

First, you text SAVE to 78836. This is how you download Drive Safe & Save. State Farm allows you to download it from either the App Store or Google Play Store.

You will be given simplistic step-by-step instructions to complete app setup. The final stage of app setup is to activate the Bluetooth beacon that will be sent to you.

OnStar

Remember how we said that with State Farm’s Drive Safe and Save program they would send you a Bluetooth beacon? The other option is to have an OnStar system that will do the same thing.

When comparing these two the fact of the matter is that both of these devices yield the same result. No matter which of these two devices you use, State Farm says that you could save anywhere between 30 percent and 50 percent on your auto insurance premiums.

So what is the difference? Why get OnStar? Because there will be a further discount that will be calculated based on your annual mileage. This is calculated via collected readings from your odometer.

Let’s conclude our discussion on the various OnStar car insurance discount plans.

OnStar Plans

OnStar actually has several plans to choose from. Their Connected Access Plan has the basics to help you keep your car healthy. If you purchase a new vehicle, you get 10 years of this.

The Remote Access Plan is similar except you don’t need to be in your car to access OnStar. You can just use your OnStar login on the mobile app.

First off, the Unlimited Access Plan has everything the Remote Access Plan has. The Unlimited Access Plan also allows for unlimited data, it has Amazon’s Alexa built-in, and comes with Turn-by-Turn Navigation.

So, how much is OnStar? Connected Access is $15 per month. Remote Access is also $15 per month but can also be procured for a year for only $149.90. Lastly, the Unlimited Access Plan is $24.99 per month.

You may also be wondering how to get OnStar for free. They will give you three months of Connected Services and some perks as a free trial.

In the end, the point is to accrue as many discounts as possible. When you start a policy, be it with State Farm or any other insurer, inquire as to what discounts you can take advantage of that are applicable to your life. Read our article Car and renters insurance discounts to learn more about discounts on car insurance.

Get a good start on finding the right car insurance company by typing your ZIP code into our free and helpful tool below. Get the best car insurance rates for you.

State Farm Insurance Coverage Options

State Farm offers a range of coverage options designed to provide protection in various situations. Let’s explore the coverage options offered by State Farm:

• Liability Coverage: Protects against bodily injury and property damage claims if you’re at fault in an accident.
• Collision Coverage: Covers repair or replacement costs for your vehicle in case of a collision with another vehicle or object.
• Comprehensive Coverage: Protects against non-collision events, such as theft, vandalism, or natural disasters.
• Uninsured/Underinsured Motorist Coverage: Offers protection if you’re involved in an accident with a driver who has insufficient or no insurance.
• Medical Payments Coverage: Covers medical expenses for you and your passengers, regardless of fault.
• Personal Injury Protection (PIP): Provides broader coverage for medical expenses, lost wages, and other expenses, irrespective of fault.
• Rental Car Reimbursement: Covers the cost of a rental car if your insured vehicle is undergoing repairs after a covered event.
• Emergency Road Service: Assistance for services like towing, jump-starts, and tire changes in case of a breakdown.

State Farm’s comprehensive coverage options allow policyholders to tailor their insurance plans to specific needs and circumstances. Understanding these options empowers individuals to create a personalized policy that provides the necessary protection on the road.

State Farm Insurance Rates Breakdown

State Farm, like any insurance company, considers various factors to determine the cost of coverage. Let’s explore these key elements that impact the insurance cost with State Farm:

• Driving History: A clean driving record with no accidents or traffic violations often results in lower premiums.
• Vehicle Type: The make, model, and year of your vehicle influence insurance costs; luxury or high-performance cars may have higher premiums.
• Coverage Limits: Higher coverage limits and additional coverage options can increase the cost of insurance.
• Credit Score: In some states, credit history may be a factor in determining insurance rates.
• Age and Gender: Younger drivers and males, statistically considered higher risk, may face higher premiums.
• Location: Insurance costs vary by geographic location due to factors like crime rates, traffic patterns, and weather conditions.
• Mileage: The number of miles you drive annually can impact your insurance costs.
• Discount Eligibility: Taking advantage of available discounts, such as safe driving or bundling policies, can help lower premiums.

As you navigate the insurance landscape with State Farm, being mindful of these influencing factors allows you to make informed choices and potentially optimize your coverage costs. Keep in mind that insurance is a personalized service, and understanding these elements helps tailor your coverage to both your needs and your budget.

State Farm Insurance Discounts Available

State Farm Drive Safe and Save Insurance program. One of the key attractions of this usage-based insurance initiative is the variety of discounts offered to policyholders based on their driving habits.

By utilizing telematics and a dedicated mobile app, State Farm encourages safe driving behaviors and rewards customers with potential premium reductions. Let’s explore the discounts available through the Drive Safe and Save program:

• Safe Driving Discount: Earn rewards for maintaining safe driving habits, including smooth acceleration, controlled braking, and adherence to speed limits.
• Low Mileage Discount: If you limit your annual mileage, you can qualify for additional savings on your auto insurance premiums.
• Night Driving Limitations: Restricting driving during nighttime hours can result in extra discounts, promoting safer driving practices.
• Reduced Driving during Low Visibility Conditions: Avoiding driving during times of decreased visibility, such as heavy fog or rain, can contribute to further premium reductions.
• Exploration of Alternative Transportation: Trying ride-sharing services, utilizing public transportation, or opting for biking may make you eligible for additional savings.

As you embark on the journey with State Farm Drive Safe and Save, keep in mind that maximizing these discounts can contribute to substantial savings on your auto insurance premiums. Whether you choose the Bluetooth beacon or the OnStar system, the program emphasizes safety, personalized coverage, and the potential for significant financial benefits.

State Farm Drive Safe and Save Insurance Effortless Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

State Farm’s Drive Safe and Save Insurance program provides various options for filing a claim to make the process as convenient as possible for its customers. You can file a claim online through their website, over the phone by contacting their customer service, or even through their mobile app.

The availability of multiple channels ensures that customers can choose the method that suits them best, whether they prefer the ease of digital filing or the personal touch of speaking with a representative.

Average Claim Processing Time

The efficiency of claim processing is a crucial factor for insurance customers. While the specific claim processing time may vary depending on the nature and complexity of the claim, State Farm strives to provide timely service to its policyholders. To get an accurate understanding of their average claim processing time, it’s advisable to check with State Farm directly, as this information may change over time.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is invaluable in evaluating an insurance company’s performance when it comes to claim resolutions and payouts. To assess the quality of State Farm’s claims service, it’s essential to consider the experiences and opinions of their policyholders.

Look for reviews and testimonials from State Farm Drive Safe and Save Insurance customers to gauge their satisfaction with the company’s claim handling process.

Exploring Digital and Technological Advancements of State Farm Drive Safe and Save Insurance

Mobile App Features and Functionality

State Farm’s Drive Safe and Save program offers a dedicated mobile app that enhances the overall experience for policyholders. The app connects to a Bluetooth beacon provided by State Farm and offers valuable insights into your driving habits.

It provides feedback on various driving behaviors, allowing you to identify areas for improvement and potential premium discounts. Additionally, the mobile app may offer features like real-time driving data, trip tracking, and personalized tips for safer driving.

Online Account Management Capabilities

Managing your insurance policy and monitoring your driving habits have never been easier with State Farm’s online account management capabilities. Through their website or mobile app, you can access and update your policy information, view your driving data, and track your progress in earning discounts. This digital convenience empowers policyholders to have greater control over their insurance experience.

Digital Tools and Resources

State Farm Drive Safe and Save Insurance program goes beyond traditional coverage by providing policyholders with valuable digital tools and resources. These may include educational materials on safe driving, tutorials on using the mobile app effectively, and access to resources that promote responsible driving habits.

These digital assets not only help customers save on premiums but also contribute to safer roads and communities.

How State Farm Insurance Ranks Among Providers

State Farm faces competition from various providers, each offering unique features and services. Knowing the key players in the market helps consumers make informed decisions. Here are some notable competitors of State Farm:

• Geico: Known for competitive rates and a user-friendly online experience, GEICO is a major player in the auto insurance industry.
• Progressive: Renowned for its innovative approaches, Progressive offers usage-based insurance, similar to State Farm’s Drive Safe and Save program.
• Allstate: A well-established provider, Allstate offers a range of insurance products and features like accident forgiveness.
• Farmers Insurance: Recognized for personalized coverage options, Farmers caters to a diverse range of insurance needs.
• Liberty Mutual: With a focus on customizable policies, Liberty Mutual is a prominent competitor in the insurance market.

Navigating the insurance market involves exploring options beyond State Farm, considering the strengths and offerings of various competitors. Each competitor brings unique features to the table, allowing consumers to find a provider that aligns with their specific needs and preferences.