Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 5, 2021

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Company Details
Address: One State Farm Plaza
City: Bloomington
State: IL
ZIP Code: 61710
Phone Number: (800-782-8332)
Year Founded:
AM Best Rating:
Company Rating 0 (0 reviews)

Just the Basics

  • Drive Safe and Save with OnStar is a usage-based insurance program
  • This program allows you to earn a discount on your monthly premiums with State Farm
  • The partnership with OnStar allows the program to get more accurate information to help calculate your discount
  • Drive Safe and Save with OnStar is a free program available to all State Farm car insurance customers

Everyone wants to save money on car insurance, and everyone wants to be a safer driver when they are on the road. State Farm customers can do both with the State Farm Drive Safe and Save with OnStar program.

This usage-based insurance program provides a discount based on how safely you drive.

The program uses an app and OnStar’s telematics to collect information about specific driving behaviors commonly associated with car accidents.

The fewer of these behaviors you engage in, and the more you improve over time, the bigger the discount you earn.

Before jumping into this State Farm Drive Safe and Save with OnStar review, enter your ZIP code above, and we will give you a list of affordable rates near you.

What is State Farm Drive Safe and Save with OnStar?

This is a variation of the State Farm Drive Safe and Save program that is partnered with OnStar.

If you have an OnStar membership, you can receive an additional discount through the program, and OnStar will directly transmit some of your driving data to help calculate your discount with the program.

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Why partner with OnStar?

The main purpose of the Drive Safe and Save program is to promote safer driving habits.

Partnering with OnStar is just another way to promote safer driving, as the entire purpose of OnStar is to make you a safe driver while you are on the road.

OnStar customer service works 24/7, helping stranded and lost customers find their way and call emergency services after an accident.

The OnStar login provides a wealth of information and options depending on your car’s compatibility.

Pairing this versatile service with State Farm’s Drive Safe and Save program makes it easier to calculate discounts and ensures these customers are even safer on the road.

How does Drive Safe and Save with OnStar save me money?

The program utilizes an app and OnStar’s telematics to track specific driving behaviors linked to accidents. These behaviors include:

  • Braking
  • Acceleration
  • Cornering
  • Phone use
  • Speeding

As you drive, the app and OnStar will keep track of how often you make fast corners, how often your phone is open and being used, how often you accelerate suddenly or are exceeding the posted speed limit, etc.

The more bad habits you have, the lower your discount will be. In turn, however, the more you improve, the more the discount will grow.

Each of the behaviors listed above was chosen based on its correlation to car crashes.

According to the CDC, about 3,000 people die a year because of distracted driving.

According to the Insurance Information Institute, speeding is likely tied to increased fatal crashes even when people aren’t driving as frequently.

By reducing distractions and slowing down, being more defensive while driving, you can not only save money, but you may also be saving lives.

Should I enroll in the State Farm Drive Safe and Save program?

There are no active disadvantages to enrolling in the State Farm Drive Safe and Save with OnStar program. Your premiums don’t risk increasing even if you have several bad driving habits.

The program is free, and no matter what type of car insurance you have with State Farm, you are eligible to enroll. If you don’t know which policy you have or which policy you should get, look into elements and terms to help you understand your policy.

If you are already an OnStar customer, you are aware of the many benefits OnStar provides.

From your ability to dial the OnStar phone number at the push of a button to unlocking your car doors when you forget your keys.

Tying these benefits into your car insurance can help you save money every month, and doing so is no extra cost to you.

Now that you’ve finished this State Farm Drive Safe and Save with OnStar review, enter your ZIP code below and start searching for more affordable car insurance today?