If you use State Farm's telematics programs or mobile app, your precise GPS location is collected to track trips and provide services; the full details of how this data is used are in a separate End User License Agreement, not this privacy policy.
This analysis describes what State Farm's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
Precise location data is classified as sensitive personal information under several state privacy laws and may be used to influence insurance underwriting and pricing; the policy directs consumers to a separate document for the complete picture, which limits transparency within this notice alone.
Interpretive note: The full scope of precise location data use and sharing is governed by a separate EULA not reproduced in this document, creating uncertainty about whether combined disclosures satisfy applicable state privacy law requirements.
Using the State Farm mobile app or enrolling in Drive Safe and Save or Steer Clear means your precise GPS location is continuously collected; the full scope of how this sensitive data is used and shared is disclosed in a separate EULA rather than this privacy notice.
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"If you participate in and grant permissions for Drive Safe & Save® or Steer Clear® or have installed the State Farm mobile application, precise location data is used to accurately record trip information. In addition, the State Farm mobile application utilizes precise location to provide services such as requesting roadside assistance, filing a claim, searching for agents and repair shops. For more information on how State Farm collects, uses and shares your precise location information, please refer to the End User License Agreement (EULA) available in the State Farm mobile application, Drive Safe & Save application, and in the Steer Clear application.— Excerpt from State Farm's State Farm Privacy Policy
REGULATORY LANDSCAPE: Precise location data is treated as sensitive personal information under the CPRA and similar frameworks in Washington, Colorado, Connecticut, Virginia, and Texas, generally requiring opt-in consent or heightened disclosure. The Washington My Health Data Act may engage if location data is used to infer health conditions. The FTC has indicated in guidance that precise geolocation data warrants heightened protection. GOVERNANCE EXPOSURE: High. Splitting location data governance across this privacy notice and a separate EULA creates a fragmented disclosure structure that may not satisfy the 'reasonably accessible' or 'prominent disclosure' requirements of applicable state privacy laws. If the EULA is updated independently of this notice, consumers may not receive adequate notice of material changes to location data practices. JURISDICTION FLAGS: California, Washington, and Colorado create the highest exposure given explicit statutory treatment of precise geolocation as sensitive data. Illinois BIPA does not directly cover GPS data but may engage if location data is combined with biometric identifiers. Any EU or UK users accessing telematics services would face GDPR Article 9 and UK GDPR considerations, though this policy appears US-focused. CONTRACT AND VENDOR IMPLICATIONS: Procurement teams should review vendor contracts for telematics data processing to confirm data minimization, retention limits, and onward transfer restrictions. If telematics data is shared with reinsurers or third-party analytics providers, those arrangements require separate due diligence. COMPLIANCE CONSIDERATIONS: A unified or clearly cross-referenced disclosure structure covering both this notice and the EULA is advisable to reduce fragmentation risk. Consent mechanism audits should confirm that opt-in flows for precise location collection meet applicable state standards. Data mapping should include telematics data flows separately from general customer information flows.
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Precise location data is classified as sensitive personal information under several state privacy laws and may be used to influence insurance underwriting and pricing; the policy directs consumers to a separate document for the complete picture, which limits transparency within this notice alone.
Using the State Farm mobile app or enrolling in Drive Safe and Save or Steer Clear means your precise GPS location is continuously collected; the full scope of how this sensitive data is used and shared is disclosed in a separate EULA rather than this privacy notice.
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