State Farm "Drive Safe and Save"

My wife is using an app called "Drive Safe and Save" which is provided by State Farm Insurance. In return for allowing them to track and log your driving, they give us a discount on car insurance premiums. She is using an iPhone 11 with iOS 15.1. It works flawlessly, and has for several years.

I was previously running the same app on my iPhone 11, same results. It was flawless and discounts are fairly sizable.

I am now trying to use iPhone 12 with iOS 15.2 with all the settings on her phone duplicated on mine , as near as I can tell. I have managed to get the app working as it should EXCEPT when my trip starts in my garage. App always has access to specific location, bluetooth, WIFI, cellular data, and is paired to a beacon provided by Sate Farm which remains in the vehicle. The problems arose with the update to iOS 15.

I have spent many frustrating hours trying to resolve this and would appreciate any help you can provide. I have tried to guess my way through all the new features such as Focus, Privacy, etc. and others that are part of iOS 15. All that I get from State Farm is that is my responsibility to report the trips to them or lose the discounts.