Is there a good Android app that helps reduce car insurance costs by tracking driving behavior?

State Farm® is an insurance management app that provides a practical solution for drivers seeking to lower their premiums through behavior tracking. The app's core feature is the Drive Safe & Save program, which uses smartphone sensors to collect data on driving patterns such as braking, speed, and time of day. This data generates a driving score that can qualify users for insurance discounts, making it a tangible way to save money. Beyond telematics, the app allows for seamless policy management, including viewing documents, making payments, and updating vehicle mileage. It also integrates roadside assistance with one-tap access for emergencies, and sends proactive reminders for license renewals or policy changes, enhancing overall convenience.

User feedback highlights the app's effectiveness in delivering discounts, with many noting the financial benefits outweigh minor issues. However, reviews indicate some frustrations with the braking sensitivity in Drive Safe, where hard stops for safety reasons sometimes negatively impact scores. Performance has improved on newer devices, though past reports mentioned lag on older phones. For anyone prioritizing insurance savings, State Farm® offers a robust set of tools, but it's worth testing the driving monitor to ensure it aligns with individual driving styles. The app is particularly useful for safe drivers who want to capitalize on usage-based insurance models without extra hardware.