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Driving record/history of infractions Impact: State/local fine, varies; Demerit points on driving record; Possible insurance rate increase Local consequences: In Michigan (Vehicle Code Act 300 §257.649), failure to yield carries no fine, but does add two demerit points to your driving record. Take a Defensive Driving Course and get a State Farm Auto - Car Insurance Discount Driver Safety Training Online Classes - State Approved Instruction Motor Vehicle Accident Prevention Course (MVAP) Online Defensive Driving Course Under Age 55 √ An “I Drive Safely, LLC ” Authorized Provider CLICK ON YOUR STATE BELOW: Defensive Driving. Because a driver with a poor driving history, like having a DUI charge on record, poses a high level of risk to an insurance provider, you will almost always be quoted higher rates than a safe driver. May 18, 2020 Changes in your driving status can happen at any time. Knowing what affects your insurance risk will help put you in control of your insurance rate. Focus on your driving record and credit score while maintaining continuous coverage at all times to get you to the preferred driver risk level.
From the long stretches of North Dakota highway to the rotaries of Massachusetts, Americans log nearly 3 trillion driving miles each year — enough to travel to the sun and back over 15,000 times! We drive a lot, and the more we drive, the greater our risk of being involved in a motor vehicle accident. A staggering 5.6 million motor vehicle crashes were reported in 2012 alone — 30,800 of those being fatal.
State Farm Driving Safety Record Rate Level 6
While we acknowledge that the only acceptable fatality rate is zero, we thought it was worth recognizing states that are putting appropriate measures in place to assure fewer fatal accidents. Using fatality rate per 100,000 drivers as our basis*, we ranked the safest states for US drivers and created the above interactive map to better visualize the data.
1. Massachusetts
2. Washington
3. Rhode Island
4. Connecticut
5. New Jersey
6. New Hampshire
7. New York
8. Alaska
9. Illinois
10. California
2. Washington
3. Rhode Island
4. Connecticut
5. New Jersey
6. New Hampshire
7. New York
8. Alaska
9. Illinois
10. California
DID YOUR STATE MAKE THE TOP TEN?
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Does your state rank well? Can you find any interesting patterns in the data? Share your observations in the comments section below!
Complete Data for All 50 States
SAFETY RANK | STATE | TOTAL FATALITIES | LICENSED DRIVERS | FATALITY RATE |
---|---|---|---|---|
1 | MA | 349 | 4,734,000 | 7.37 |
2 | WA | 444 | 5,228,000 | 8.49 |
3 | RI | 64 | 750,000 | 8.54 |
4 | CT | 236 | 2,486,000 | 9.49 |
5 | NJ | 589 | 6,040,000 | 9.75 |
6 | NH | 108 | 1,065,000 | 10.14 |
7 | NY | 1,168 | 11,249,000 | 10.38 |
8 | AK | 59 | 526,000 | 11.21 |
9 | IL | 956 | 8,236,000 | 11.61 |
10 | CA | 2,857 | 24,201,000 | 11.81 |
11 | MN | 395 | 3,322,000 | 11.89 |
12 (Tie) | OR | 336 | 2,770,000 | 12.13 |
12 (Tie) | UT | 217 | 1,789,000 | 12.13 |
14 | MD | 505 | 4,102,000 | 12.31 |
15 | CO | 472 | 3,808,000 | 12.4 |
16 | MI | 938 | 7,019,000 | 13.36 |
17 | HI | 126 | 915,000 | 13.77 |
18 (Tie) | OH | 1,123 | 8,006,000 | 14.03 |
18 (Tie) | VA | 777 | 5,538,000 | 14.03 |
20 | IN | 779 | 5,376,000 | 14.49 |
21 | VT | 77 | 530,000 | 14.54 |
22 | PA | 1,310 | 8,843,000 | 14.81 |
23 | NV | 258 | 1,728,000 | 14.93 |
24 | WI | 615 | 4,057,000 | 15.16 |
25 | NE | 212 | 1,364,000 | 15.55 |
26 | DE | 114 | 720,000 | 15.83 |
-- | USA | 33,561 | 211,815,000 | 15.84 |
27 | ME | 164 | 1,008,000 | 16.27 |
28 | IA | 365 | 2,217,000 | 16.46 |
29 | ID | 184 | 1,093,000 | 16.83 |
30 | FL | 2,424 | 13,897,000 | 17.44 |
31 | AZ | 825 | 4,698,000 | 17.56 |
32 | GA | 1,192 | 6,582,000 | 18.11 |
33 | MO | 826 | 4,288,000 | 19.26 |
34 | NC | 1,292 | 6,678,000 | 19.35 |
35 | KS | 405 | 2,018,000 | 20.07 |
36 | SD | 133 | 607,000 | 21.92 |
37 | TN | 1,014 | 4,574,000 | 22.17 |
38 | TX | 3,398 | 15,252,000 | 22.28 |
39 | AL | 865 | 3,828,000 | 22.6 |
40 | LA | 722 | 2,924,000 | 24.69 |
41 | SC | 863 | 3,456,000 | 24.97 |
42 | KY | 746 | 2,985,000 | 24.99 |
43 | AR | 552 | 2,199,000 | 25.1 |
44 | NM | 365 | 1,430,000 | 25.52 |
45 | MT | 205 | 758,000 | 27.05 |
46 | WV | 339 | 1,242,000 | 27.3 |
47 | WY | 123 | 422,000 | 29.18 |
48 | OK | 708 | 2,400,000 | 29.5 |
49 | MS | 582 | 1,958,000 | 29.72 |
50 | ND | 170 | 503,000 | 33.81 |
State Farm Driving Safety Record Rate Level 6 In 1
Tweet One of These Key Observations
Tweet this: 19 of the 20 most dangerous states to drive in voted for Romney in 2012.
Tweet this: 4 New England states are on the ’10 Safest States for Drivers’ list.
Tweet this: Southern states score very low on ‘Safest States for Drivers’ list.
Tweet this: North Dakota is the most dangerous state to drive in.
Tweet this: Massachusetts is the safest state for drivers, according to a new report.
Tweet this: Interactive map shows safest states for drivers. How safe is your state?
Tweet this: 4 New England states are on the ’10 Safest States for Drivers’ list.
Tweet this: Southern states score very low on ‘Safest States for Drivers’ list.
Tweet this: North Dakota is the most dangerous state to drive in.
Tweet this: Massachusetts is the safest state for drivers, according to a new report.
Tweet this: Interactive map shows safest states for drivers. How safe is your state?
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*Methodology: Rankings were determined by fatality rate per 100 thousand licensed drivers. Data sourced from the National Highway Traffic Safety Administration‘s “Traffic Safety Facts” Report, released in June 2014. Information on traffic fatalities is available from the National Center for Statistics and Analysis (NCSA), NVS-424, 1200 New Jersey Avenue SE., Washington, DC 20590. NCSA can be contacted at 800-934-8517 or via the following e-mail address: [email protected]. General information on highway traffic safety can be accessed by Internet users at www.nhtsa.gov/NCSA.
- Rather poor way to chart things. The first paragraph tells us all about how much we drive how many trillions of miles each year. And then the graph relates ‘safeness’ to ‘how many licenses are issued.The number of licenses issued is meaningless as a statistic, a state like New York (and NYC in particular) could issue a hundred licenses, but what if only 10 people bother to drive?A good researcher would have based the graph upon how many passenger miles were driven each year.
Last Updated on June 29, 2020
You have been driving for years without any infractions on your record, and because you’re confident in your driving abilities, you would like to see your insurance premium go down. Today, more and more insurance companies are offering driving tracking apps so that good drivers like you can get rewarded for those years of safe driving.
State Farm is one of those insurance companies that are now offering their clients ways to save on their annual insurance premiums. The Drive Safe and Save program does a usage-based analysis and then determines how much you could save on your premium. It works similarly to the telematics programs offered by other major insurance programs, except State Farm will give you up to 50% off your insurance premium, which beats out most competitors (who barely go past 30 to 40%).
Determining if the Drive Safe and Save program is worth it for you will depend on your daily driving habits, how much you are saving now, and a few other factors. Read our State Farm Drive Safe and Save review below to see if this program makes sense for you.
How the Drive Safe and Save Program from State Farm Works
State Farm’s program automatically gives you 5% off your premium just for signing up and trying it out. The program isn’t the same as others who will send a device and track your vehicle. Instead, State Farm offers a few ways to use the Drive Safe and Save program.
Initially, the company only offered the discount opportunity to owners of vehicles with third-party monitoring systems like OnStar, but now you can also download a mobile phone app from their website. State Farm can also send you a tracking device if you do not have OnStar or the mobile app. The device plugs into the diagnostic port, which means you can only use them on vehicles manufactured after 1996. Cars before this date are unlikely to have the diagnostics port on the driver’s side.
Once you download the app or install the device, you will leave it there for a set amount of time, and you can track your driving habits and current data on the app as well as their website.
What Does State Farm’s Drive Safe and Save Program Monitor?
With State Farm, it is more than just mileage they are looking at; instead, they want to track your overall driving habits to see how safe you are and if you are a low-risk individual. The less risk for an accident, the more likely State Farm is to give you the discounts you deserve.
Some areas State Farm monitors include:
- How much you accelerate and brake at a fast pace. Are you the type that comes to a stop last minute? Do you tend to gun it at a green light? These habits are considered reckless and high risk, which means State Farm may not lower your premium much – if at all. The more hard brake and fast accelerations you have listed on your record, the less likely you are to save much from the program.
- How quickly you turn and the speed at which you turn. State Farm also monitors if you slow down for turns, how sharp you are, and the overall speed at the time of the turn. After all, the faster you go on sharp turns the more likely you are to encounter a rollover incident.
- Your total mileage during the watch period. While you drive, the app calculates how many miles you drive per day and then estimates that for your yearly. When you first signed up for insurance, you would have indicated how many miles you drive annually, which plays a role in your premium estimate. By using Drive Safe and Save, State Farm has a more accurate estimate. The fewer miles you drive, the more you will save.
- How fast you drive when you are driving. State Farm also tracks your average speed just to make sure you are staying under the speed limit for most areas. Basically, if you stay under 80 miles per hour, you should see savings. After all, they have no way of telling when you are not on the highway.
- The time of day you drive the most. Accidents are more frequent between midnight and 5:00 am, along with rush-hour traffic times. Therefore, State Farm will look at the times of day you drive and how often/how many miles you put in that hour. The more hours and miles in the danger zone, the harder it will be to get to that 50% savings. If, however, most of your driving occurs outside of the window, you will save a lot more.
Final Word – State Farm Drive Safe and Review
To conclude our Drive Safe and Save review, let’s just say that it can’t hurt to try it out. There is no guarantee you will unlock the full 50% discount, but there is no risk for using the program. Regardless of what results you receive from the monitor, your premiums will not go up. Most drivers should still unlock as much at 5 to 10%, which is always something that will add up over time. If you have any further questions in regards the Drive Safe and Save program, please read State Farm’s FAQ or contact your State Farm agent.