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Have Drive Safe & Save™ Questions? We've Got Answers.

Find answers to your most common Drive Safe & Save questions.

Drive Safe & Save


Enrolling in Drive Safe & Save may help you get an auto insurance discount up to 30% based on how you drive.footnote [1] You get a discount of about 5% just for enrolling! Each product option offers different safety and security features. Please talk to your State Farm® agent or explore the details under the Drive Safe & Save Mobile and OnStar FAQs for more information.


return to reference[1] Some customers could see a discount of up to 50%. Discount names, percentages, availability and eligibility may vary by state and coverage selected. Enrollment, terms and conditions apply.



Drive Safe & Save is always a discount and does not surcharge your policy. The Drive Safe & Save discount is based on your annual mileage and, for Drive Safe & Save Mobile, basic driving characteristics.

Your discount may vary from term to term based on your actual driving, but it will always be a discount on your policy.

If you currently receive a premium reduction for low estimated annual mileage (under 7,500 miles annually for personal use) and your car is actually driven more than that, your premium may increase at a future policy renewal to reflect your actual mileage.

Please contact your State Farm® agent if you have further questions or for more information.



The Drive Safe & Save discount does not take into account tickets or accidents. Drive Safe & Save collects actual miles driven and, with Drive Safe & Save Mobile, basic driving characteristics to calculate the discount.


Your discount is adjusted at each policy renewal (typically every six months). Changes in your driving will be reflected in your discount amount, so your discount amount can increase or decrease at each renewal.


You can see your current discount amount on your Drive Safe & Save account page or on the State Farm mobile app. This information will be updated at each auto policy renewal (typically every 6 months). Just log in with your statefarm.com® user ID and password.

Drive Safe & Save Mobile customers can also view some of this information on the Drive Safe & Save smartphone app.



Your Drive Safe & Save discount includes any previous mileage-based premium reduction. If you previously received a reduction for low estimated annual mileage (under 7,500 miles annually for personal use), the Drive Safe & Save discount amount will include this premium reduction. Please note that if you currently receive a premium reduction for low estimated annual mileage (under 7,500 miles annually for personal use) and your car is actually driven more than that, your premium may increase at a future policy renewal period. Please contact your State Farm agent if you have further questions or for more information.



No. Drive Safe & Save is optional and is car specific. You can make the decision to enroll for each individual household car.



Drive Safe & Save is strictly an optional discount program. Customers who choose not to participate will continue to have their auto policies rated based on the annual mileage estimates provided to State Farm.



State Farm will only share policyholder information as required by law and as stated in the State Farm Privacy Policy.



If you’re currently enrolled in Drive Safe & Save in California, on your first renewal on or after April 1, 2019, your Drive Safe & Save discount will be replaced with a different way to collect your actual miles driven. Rather than you reporting your mileage prior to each renewal or using an OnStar plan, State Farm will receive mileage readings for your car from a third party vendor annually.

Please contact your State Farm agent if you have further questions or for more information.


Mobile


Your discount is based on your annual mileage and driving characteristics. The less you drive, the more you may save. The more you’re on the road, the more likely an accident could occur. We know you might not be able to control your miles that much, so HOW you drive those miles is where you can really make a difference in your discount.

After each trip, the Drive Safe & Save app shows you a map of your route and driving events along the way. While not everything the app shows you impacts your discount amount, they all contribute toward you being the safest driver you can be.

  • Acceleration – Starting fast off the line? The app will show you where you might have accelerated faster than is generally considered safe. Quick acceleration can make cars more difficult to control.
  • Braking – The app will show you if you’ve made any fast, hard stops. We understand there are times you need to stop quickly to avoid a collision. However, making frequent fast stops is indicative of driving too fast and following too closely. Maintain a safe speed and distance to avoid collisions. Keep an eye on your braking scores to help see if this has become a habit for you.
  • Cornering – You’ll see along your route if you make any quick, sharp turns. These indicate you may have not allowed yourself proper time and clearance for the turn. For example, turning left in front of oncoming traffic at an intersection.
  • Speed – The app shows you when you’ve exceeded the speed limit by 8 miles per hour or more. While discount calculation doesn’t compare your speed with posted speed limits, we think it’s important for you to understand when this happens – and maybe how it impacts other driving characteristics, like hard braking and fast acceleration.
  • Phone Use – Distracted driving is a serious problem. The app will show you when your phone is moving and the screen is on during a trip. We know there are times when a passenger may be using your phone, so this feedback isn’t used to calculate your discount - but we hope you use it to help make yourself a safer driver.
  • Time of Day – Accidents are at their highest when traffic is heavy, and late at night when drivers may be impaired by fatigue or alcohol.
  • Time Traveled – How much time are you on the road? Are you in bumper-to-bumper or free-flowing traffic? If it takes you a long time to travel a short distance, chances are traffic congestion is impacting your commute – and your safety.


This is a safety score reflective of all of the trips during the past 14 days recorded under the user ID used to log into the app. This score is not directly related to the discount amount for individual vehicles. This score combines trips from all vehicles and all drivers logged in with and recording trips under that user ID. The driving behaviors included in the safety score are those you see in the individual trip maps: acceleration, braking, cornering, speed and phone use.

If your score is under 100%, we encourage you to review individual trips maps to check for areas of improvement. While not everything scored in the app contributes toward the discount, safer driving can have a positive impact on your discount.



Just text SAVE to 78836 to get a link to download the app in Google Play or the App Store. If you are able to download the app, your phone is compatible!

Ineligible phones will see a message saying the device is not compatible. Features required for participation include:

  • Phone
  • Network
  • Location/GPS
  • Bluetooth
  • Accelerometer
  • Camera
  • Auto-focus
  • Flash
  • Gyroscope


  1. Make sure you have the Drive Safe & Save app downloaded (text SAVE to 78836 for a link to download).
  2. Log in to the app using your statefarm.com user ID and password.footnote [2]
  3. A Bluetooth beacon will arrive in the mail a few days after enrolling. When the envelope with your beacon(s) arrives, take it to the car and follow the easy setup steps in the app (while not driving, of course). This will include connecting your beacon(s) to the app and providing odometer readings.

If you find you need help along the way with setup, contact us 24/7 at 888-559-1922 888-559-1922.


return to reference[2] You'll need to log in to your statefarm.com account for this vehicle to complete setup. The policy must be in the format of a first and last name. Businesses, trusts, DBA, etc., are not eligible at this time for a statefarm.com account. Contact your State Farm agent for details.



You must have the Drive Safe & Save app downloaded on at least one phone to qualify for the discount. To get the most from your discount opportunity, each driver of your car should download the Drive Safe & Save app and log in. Don’t worry, they won’t need to go through the setup process – they just need to log in.



You will use the same user ID and password for all State Farm applications: statefarm.com, the State Farm mobile app, and the Drive Safe & Save app.

We take our customers’ security very seriously, which is why you are required to log in. You can set up Touch ID (fingerprint ID) or Face ID with the Drive Safe & Save app.



You do not need to sign into the app to record a trip. Once your setup is complete, trips will record automatically with your Bluetooth and Location services enabled.



Not necessarily. If you wish to limit your battery usage, you have the option to turn Bluetooth and Location services off when you are not driving. However, it is imperative that you turn these on before starting each trip to ensure all driving data is captured.

Leaving your Bluetooth on allows the app to automatically start a trip when you begin driving, and turning Bluetooth off removes this functionality. If your Bluetooth is not on during a trip, it will not record.



iPhone and newer Android verisons have location preference options for: “Always Allow" and "While Using the App” (exact wording varies by operating system). Drive Safe & Save runs in the background to start, record, and stop trips. You don’t need to log in or bring the app up to record trips. This means it needs to use the “Always” setting versus the “While Using the App” option.

Here’s a run-down of what each setting means (exact wording varies by operating system):

Never: This feature makes it so the application in question can never access your location for any reason at all.

While Using the App: This feature makes it so the application in question can only ever access your location when it’s open and in the foreground.

Always/All the Time: This feature makes it so the application in question will always have access to your location whenever it wants to, whether the application is open in the background or not. The Drive Safe & Save app isn’t really “Always” using your location services, but when it does, the app will be running in the background.



Not necessarily. If you wish to limit your mobile data and battery usage, you have the option in the app settings to share your data only when there's a Wi-Fi connection.

Keep in mind, if you do not connect to Wi-Fi, your trips will stay on your phone until you do. This could cause a delay in seeing your trips, and if your phone’s memory is full, your trips may not be stored.



The Bluetooth beacon is a small device which allows for the collection of your driving data while in your car. It stays in your car and allows your phone and the Drive Safe & Save app to record trips in your car automatically – no logging into the app. This way, you know the only trips being recorded are those in your car – not when you’re using public transportation, ride sharing, etc.



The Bluetooth beacon will typically arrive at your primary mailing address within 5 days. Don't worry – the initial discount is added to your policy by your agent – there's no waiting to receive that in the mail!

You can check your primary mailing address on file by logging into your statefarm.com account, then clicking navigating to Profile & Preferences. After clicking "Edit address" on the Profile & Preferences screen, you'll have the option to make sure your mailing address for all policies and accounts are accurate.

If you don’t have your beacon within 5 days, just contact us 24/7 at 888-559-1922 888-559-1922 to re-order.



Using the sticker on the back of the Bluetooth beacon to adhere to your windshield is not a requirement, but is strongly recommended. We understand some local laws, vehicle sensors, or vehicle upgrades (e.g. tinting) may prevent you from mounting the beacon to the windshield behind your rearview mirror. If this is the case, choose another sturdy, stationary location to stick the beacon, making sure not to adhere it to a surface it may damage.

Please understand the trip data captured may be incomplete if you choose not to mount the beacon at all.



The Bluetooth beacon has an expected battery life of 3-4 years. If the light does not display on the Bluetooth beacon when the button is held down, a replacement may be needed. Just call us 24/7 at 888-559-1922 888-559-1922 to troubleshoot and request a replacement.



Yes, the Bluetooth beacon is paired to the app, not your phone's Bluetooth settings. If you have paired the beacon to your phone's Bluetooth settings, please disconnect the Bluetooth beacon from your phone's settings and pair it within the app. You can call us 24/7 at 888-559-1922 888-559-1922 for assistance.



You can safely dispose of the beacon at any electronics recycling facility.



Yes. An odometer reading is required for setup and prior to each renewal.



You must provide an odometer reading prior to each policy renewal (typically every 6 months). State Farm will remind you when this action is required.

The easiest way to report your odometer reading is through your Drive Safe & Save app. You can also report on statefarm.com or by contacting your State Farm agent.



Yes. State Farm may use a third-party source to validate your entered odometer reading.



Yes. You must complete setup in the app for each car enrolled in Drive Safe & Save Mobile.



Yes. To get the most from your discount opportunity, each driver of your car should download the app and complete setup. A named insured on the car must log in to the app with his or her statefarm.com user ID and password for that car.

When multiple phones linked to a beacon are in a car at the same time, only one will record the trip - the first one to connect to the beacon.



Location is used in conjunction with the accelerometer and other sensors to measure speed, turning, braking, acceleration, time of day, and miles driven. Location is also used to provide you useful maps of your trips so you can see where you may need to improve some driving habits. Remember – the safer you drive, the more you can save!

This location information does not impact your Drive Safe & Save discount.



No. If you uninstall the app, we will not be able to collect data and you will be in jeopardy of losing your discount. At least one smartphone per car must have the app downloaded and connected to the Bluetooth beacon to qualify.



For inquiries regarding only the FCC regulatory information of the Bluetooth beacon, contact:

support@cmtelematics.com
Cambridge Mobile Telematics
101 Main Street, 14th Floor
Cambridge, MA 02142

Available for shipment in the United States only.
Model: Drivewell Tag Lite FCC ID: 2AFGD-DWTAGV18

This device complies with Part 15 of FCC Rules. Operation is subject to the following two conditions: (1) this device may not cause harmful interference, and (2) this device must accept any interference received, including interference that may cause undesired operation.

Changes or modifications not expressly approved by Cambridge Mobile Telematics could void the user's authority to operate the equipment.

Note: This equipment has been tested and found to comply with the limits for a Class B digital device, pursuant to Part 15 of the FCC Rules. These limits are designed to provide reasonable protection against harmful interference in a residential installation. This equipment generates, uses and can radiate radio frequency energy and, if not installed and used in accordance with the instructions, may cause harmful interference to radio communications. However, there is no guarantee that interference will not occur in a particular installation. If this equipment does cause harmful interference to radio or television reception, which can be determined by turning the equipment off and on, the user is encouraged to try to correct the interference by one or more of the following measures:

  • Reorient or relocate the receiving antenna.
  • Increase the separation between the equipment and receiver.
  • Connect the equipment into an outlet on a circuit different from that to which the receiver is connected.
  • Consult the dealer or an experienced radio/TV technician for help.

Mobile Troubleshooting Tips


  • Battery saving options on your phone may be keeping the phone from sending trips to State Farm. Make sure your battery saver is off and Drive Safe & Save is on the “unmonitored apps” list.
    • Note: Some Android phone models may need to adjust app battery settings to allow background activity by navigating to: Settings > Apps > Drive Safe & Save™ > Battery > Allow background activity.
  • Ensure location preference is set to “Always” or “Always Allow”. Drive Safe & Save runs in the background to start, record, and stop trips. Setting other than “Always” or “Always Allow” will not allow the Drive Safe & Save app to record trips, which could impact the discount.
  • Poor Location quality impacts the phone's ability to determine speed and/or distance and can affect the trip details that are logged.
  • The trip will appear to be shorter than expected if connectivity to the Bluetooth beacon was lost because Bluetooth was turned off. Leave Bluetooth on at all times while driving.
  • Low phone battery can impact trip recording and Location quality. This can be avoided by plugging in and charging the phone while driving. Keep phone battery life above 20% at all times.
  • The battery in the Bluetooth beacon may be depleted. Check the Bluetooth beacon and make sure that the red light turns on briefly when the small white button on the front of the beacon is held down. If not, call our 24/7 tech support line at 888-559-1922 888-559-1922.
  • The Bluetooth beacon may not be paired in the app. Log into the app and tap on the car to see which beacon is paired to the car.
  • Check for available updates in the App Store or Google Play.
  • If the Wi-Fi setting in the Drive Safe & Save app is selected, make sure you connect to Wi-Fi to send trip data.
  • Poor cellular connection could be preventing trips from sending. If the Wi-Fi setting is not selected, try selecting it when you’re connected to Wi-Fi to send trips.
  • If you have not yet adhered your beacon to the windshield behind your rearview mirror, consider doing this.
  • If phone memory is full, the app will not be able to record trip data and temporarily store it on the phone.
  • If the app is force closed, it cannot record trips. Try opening the app again.
  • The Drive Safe & Save enrollment of the car may have changed. Log in to the app. Does the status text under the car name still indicate enrollment in Drive Safe & Save Mobile? If not, contact your State Farm agent.

Your discount is based on mileage and basic driving characteristics. The number of miles collected by the Drive Safe & Save app will be validated against the odometer readings you provide prior to each policy renewal. Your basic driving characteristics are determined using information recorded by the Drive Safe & Save app. You may take a trip that the app does not capture accurately, but your basic driving characteristics can still be determined from the trips the app does capture. To get the most from your discount opportunity, ensure as many trips as possible are recorded by bringing your phone on all trips and leaving Bluetooth, Location, and data on.

If you still need help, contact us 24/7 at 888-559-1922 888-559-1922.



It’s possible you don’t have a strong wireless connection.

If your phone’s Wi-Fi setting is on and you don’t have a strong signal, try moving somewhere with a strong signal or turning off Wi-Fi to send the odometer reading (and image) over cellular data.

If your phone’s Wi-Fi setting is off and you don’t have a strong cellular signal, try moving somewhere with a strong cellular connection or try turning your Wi-Fi in an area with a strong wireless signal.

If you still need help, contact us 24/7 at 888-559-1922 888-559-1922.



Make sure your Bluetooth and location are enabled. If they are, try tapping them off and on again and retry setup. If you still cannot see your beacon within the app, call us 24/7 at 888-559-1922 888-559-1922.



You can tell your Bluetooth beacon is working if the light illuminates when you hold down the button, and your trips appear within the app. If not, call us 24/7 at 888-559-1922 888-559-1922.





You must be a listed named insured on the auto insurance policy to see the car in the app under your user ID. A named insured for the car must log in with his or her statefarm.com user ID and password for that car to appear within the app.

Contact your State Farm agent for car eligibility questions.

Please note, if you have recently changed cars, there may be a processing delay before your new car displays.



To see trips and scores, you must have completed setup plus recorded at least one trip. Try taking a trip after logging into the app. You should see your trip there the next time you log in after your trip. If not, please call us 24/7 at 888-559-1922 888-559-1922.



You can access the Drive Safe & Save account page on statefarm.com, click the "Contact Preferences" link and update the email address for each applicable car.



If you replace the car on your auto policy, simply move the Bluetooth beacon from your previous car to your new car.

There may be a processing delay before your new car displays. Once you can see your new car in the app and your Bluetooth beacon ID is available to be selected in the setup process (typically 48 hours after your new car displays in the app), complete setup with your Bluetooth beacon in your new car.



If you replace your phone, you may use the same Bluetooth beacon. Simply download the Drive Safe & Save app on your new phone and log in.


OnStar


You may be able to participate in Drive Safe & Save Mobile. Text SAVE to 78836 to see if your phone is compatible.

To participate in Drive Safe & Save with OnStar, an OnStar plan is required. You may enroll in Drive Safe & Save with OnStar as long as you plan to activate your OnStar plan within 30 days of enrolling in Drive Safe & Save.

State Farm will request odometer information from OnStar approximately 30 days after you sign up for Drive Safe & Save. If you do not activate your OnStar plan and enroll in OnStar Vehicle Diagnostics, we will remove the initial participation discount retroactive to the effective date it was added, which could result in a balance due.

Please contact your State Farm agent for more information.



The best way to find out about activating OnStar is to either:

  • Press the blue OnStar button in your car
  • Call 888-4-ONSTAR (888-466-7827 888-466-7827)


You can see your current discount amount and calculated annual mileage on your Drive Safe & Save account page or on the State Farm mobile app. This information will be updated at each auto policy renewal (typically every 6 months). Just log in with your statefarm.com user ID and password.



Your discount is adjusted at each renewal (typically every six months), and will be based on odometer readings collected from your enrollment in Drive Safe & Save.



State Farm will request up to the six most recent historical odometer readings on your car but will not use any odometer readings that occurred prior to the date you purchased it.



Drive Safe & Save is always a discount and does not surcharge your policy. The Drive Safe & Save with OnStar discount is based on your annual mileage calculated from collected odometer readings.

Your discount may vary from term to term based on your actual driving, but it will always be a discount on your policy.

If you currently receive a premium reduction for low estimated annual mileage (under 7,500 miles annually for personal use) and your car is actually driven more than that, your premium may increase at a future policy renewal period.

Please contact your State Farm agent if you have further questions or for more information.


Have More OnStar Questions?

If you're unable to find what you're looking for here, you can contact OnStar for further assistance by pressing the OnStar button in your vehicle, calling 888-4-ONSTAR (888-466-7827), or visiting OnStar.com.

Your Drive Safe & Save Account

Manage your account

Log in now

Find an Agent Near You


 
Or call 844-242-1899 844-242-1899 for a quote.

Disclaimer

State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.

OnStar and the OnStar emblem are registered trademarks of OnStar, LLC.

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