State Farm, the biggest car insurance company in the U.S., is bringing its fresh drive-less-pay-less plan to Florida. This means folks driving fewer miles might get to spend less on insurance. Right now, 14 states are part of this deal, helping careful drivers score some savings since they use their cars way less than others. Some lucky ducks might even snag a discount up to 40 percent, all based on how much they’re on the road. Curious to know if you can pocket some extra cash? Keep reading to find out!

State Farm started offering its “Drive Safe & Save” program this summer around country. Florida, Pennsylvania and Michigan, Georgia, Alabama, Indiana, Minnesota, Utah and Washington were the first states to get the new program, with Florida drivers getting the offer on June 25. The program was previously offered in only five states: California, Illinois, Colorado, Ohio and Texas.

Progressive insurance is so far the only other company which offers discounts to drivers who drive less.

The idea is simple enough and seems very fair. If you drive less, they reason, you are a lower risk than someone who drives more often or for longer durations. That makes you a much lower risk.

State Farm’s program provides discounts to all eligible customers who allow the insurer to track how much they drive. The discount, initially 5 percent, could increase after six months to 10 percent for those who drive 1,000 miles a month, the national average, or as high as about 40 percent for those who drive the least, said State Farm spokeswoman Michal Connolly.

Progressive uses a variety of information that is tracked, such as how often someone hits the brakes, while State Farm uses only mileage, according to Office of Insurance Regulation spokeswoman Amy Bogner.

Find out how you can save money on your car insurance by using our online traffic school!