Allstate Drivewise vs. American Family KnowYourDrive: Which Service Is the Best (2025)
Discover the ideal usage-based insurance program for your needs by comparing Allstate Drivewise and American Family KnowYourDrive, ensuring optimal coverage and potential savings.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Feb 8, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Feb 8, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
In the intricate landscape of auto insurance, deciphering the optimal provider tailored to individual profiles involves a nuanced understanding of key factors such as credit score, mileage, coverage level, and driving record. Delving into the data table below reveals valuable insights into the varying rates offered by different companies, allowing readers to navigate the complexities of insurance decisions with clarity. Whether it’s the pursuit of competitive rates for pristine driving records, preferential mileage considerations, or the impact of credit scores on premiums. This comprehensive analysis highlights which company emerges as the frontrunner in delivering the most advantageous rates for diverse customer profiles.
Allstate Drivewise vs. American Family KnowYourDrive Car Insurance Monthly Rates by Driving Record
| Driving Record |  |  |
|---|---|---|
| Clean Record | $228 | $166 |
| One Ticket | $268 | $194 |
| One Accident | $321 | $251 |
| One DUI | $385 | $276 |
Allstate Drivewise vs. American Family KnowYourDrive Car Insurance Discounts
| Discount | | |
|---|---|---|
| Low Mileage | 30% | 20% |
| Good Student | 20% | 20% |
| Safe Driver | 15% | 10% |
| Anti Theft | 10% | 25% |
| Paperless | 5% | 3% |
| Senior Driver | 5% | 25% |
Allstate Drivewise
Pros:
- Cash Back Rewards: Offers the opportunity for drivers to receive cash back based on safe driving habits.
- Accessibility: Available to any driver, not restricted to existing Allstate policyholders.
- Regular Feedback: Provides real-time driving insights through a user-friendly interface.
Cons:
- Savings Build-Up: Achieving the maximum 30% savings may take time, requiring drivers to accumulate points gradually.
- High-Risk Hour Limitations: Restrictions during “high-risk” hours (10 p.m. to 4 a.m.) may not suit everyone’s daily schedule.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
American Family KnowYourDrive
Pros:
- Discounted Pricing Model: Relies on a discounted pricing approach, potentially offering savings of up to 20%.
- Instant Discount: Grants a 10% discount upon sign-up, providing an immediate incentive for participation.
- No Impact on Policy Rates: Does not affect the fixed rate of the policy, ensuring stability even with varying driving scores.
Cons:
- Existing Policy Requirement: Limited to existing American Family policyholders, excluding those without prior coverage.
- Continuous Tracking: Involves ongoing monitoring of driving habits, which may not appeal to privacy-conscious individuals.
Allstate Drivewise: The Undisputed Choice
When it comes to selecting the superior option between Allstate Drivewise and American Family KnowYourDrive, a clear winner emerges when evaluating the overall benefits. While both programs aim to provide savings through usage-based insurance (UBI) models, Allstate Drivewise takes the lead in delivering a more comprehensive and advantageous package.
Cash Back Rewards: Allstate Drivewise stands out by offering cash back rewards, providing drivers with tangible financial incentives for safe and responsible driving habits. This immediate and tangible benefit sets it apart in the realm of UBI programs.
Accessibility for All: One significant advantage of Allstate Drivewise is its inclusivity. Unlike American Family KnowYourDrive, which caters exclusively to existing policyholders, Allstate Drivewise extends its benefits to any driver, enhancing accessibility and widening its user base.
Regular and Insightful Feedback: The program excels in providing drivers with real-time insights into their driving behaviors through a user-friendly interface. This continuous feedback loop empowers drivers to make informed decisions, contributing to safer driving practices and potential increased savings over time.
Flexible Savings Build-Up: While achieving the maximum 30% savings may take time, the gradual build-up of points offers a flexible and achievable path for drivers to maximize their benefits without stringent conditions.
Minimal Limitations on High-Risk Hours: Allstate Drivewise imposes fewer limitations during “high-risk” hours (10 p.m. to 4 a.m.), making it a more adaptable choice for individuals with diverse daily schedules.
Allstate Drivewise emerges as the preferred choice, providing a holistic and accessible UBI program that not only prioritizes immediate benefits but also fosters continuous improvement in driving habits. The cash back rewards, coupled with its inclusive approach, position Allstate Drivewise as the best overall option for drivers seeking both financial advantages and enhanced safety on the road.
What is usage-based insurance?
Usage-based insurance programs (also referred to as pay-as-you-drive or telematics) encourage drivers to adopt behaviors that make them less of a risk on the road. Telematics discounts may sound similar to your average auto insurance policy: Assessing car insurance rates based on your driving history. But there’s a key difference. Where usage-based insurance differs, according to the Insurance Information Institute, is the immediate feedback provided from the apps required for these programs. Telematics discounts help to deter people who aren’t conscientious about driving and who are potentially putting other drivers at risk. Your car insurance premium could go down because you didn’t speed, or run red lights, or involved in an accident.
Drivers can track real-time habits. The app’s data reflects driver behaviors such as how often they drive, how hard they are on their brakes, their speeding habits, and other habits that will ultimately determine their insurance rates.
American Family KnowYourDrive and Allstate Drivewise are just two of many of these data-driven discount programs available around the country.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
About American Family KnowYourDrive
American Family is in 19 states around the Midwest. The American Family Know Your Drive car insurance discount is one of several offers. Know Your Drive claims to save drivers up to 20% on their car insurance rates.
Learn more about the company with this American Family auto review.
Car insurance quotes and car insurance rates are based on the risk drivers pose on the road. KnowYourDrive, and its competitors, aim to lower your risk on the road through these telematic apps.
How does KnowYourDrive work?
After you’ve downloaded the American Family app — available on Andriod and iPhone — it will run in the background of your phone and record driving data when it detects vehicular motion speeds.
KnowYourDrive gives drivers a 10% discount instantly just for signing up.
After six weeks, American Family Insurance will adjust your rates based on your driving. The most you can save is 20%, and the least is 2%.
What is Drivewise from Allstate?
The Drivewise app is another safe-driving program. Allstate measures driving behaviors to reward safe drivers. Allstate claims drivers can save up to 30% on insurance by using Drivewise.
Every six months, members receive cash back if they’re able to maintain a good driving record over that time.
Similar to American Family KnowYourDrive, Allstate’s Drivewise shows users their driving insights on an interface. This information reflects your habits; drivers will be able to see how much their driving impacts their car insurance rates.
Drivewise is available to anyone.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
How does Drivewise work?
Drivewise determines your rewards based on your driving performance. How well — or not — you are doing will reflect in points. Points are converted into reductions and cash rebates for each half-year period of secure driving, as part of the benefits offered by the Allstate Drivewise car insurance discount.
According to Drivewise, safe driving is:
- Driving at safe speeds
- Not slamming on the brakes
- No late-night driving
The mobile app can detect when you’re driving by using your phone’s location services. It starts recording data when you’ve traveled a short distance at a speed of at least 20 miles per hour.
What are telematic rewards with car insurance?
Telematics collects driving information relating to mileage and speeding habits to provide personalized feedback to your auto insurance company.
What driving habits do KnowYourDrive and Drivewise monitor?
American Family’s KnowYourDrive and Allstate’s Drivewise rate drivers in a certain period and then apply those savings after that set period is up.
KnowYourDrive gives drivers a score from 0 to 100 each month. After each trip, the American Family app will provide you with a score within five to 10 minutes.
It keeps track of habits such as:
- Changes in speed, such as sharp acceleration or braking
- How often your drive
- Whether you are on your phone while driving
What is a good KnowYourDrive score? Drivers, of course, should try for 100% each time they drive. However, that is not realistic.
Drivewise uses a reward point system. Drivewise’s performance cash rewards are calculated every 12 months. It measures:
- Safe speeds (under 80 mph)
- No harsh braking (i.e., minimal abrupt stops)
- Time of day driven (limited late-night trips)
Car insurance rates change based on a lot of factors — including the above listed. If you’re looking to sign-up for a new usage-based insurance policy, you may find that Drive wise and Know Your Drive offer significant benefits.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Which is better, Allstate Drivewise or American Family KnowYourDrive?
Drivewise from Allstate provides cash back, whereas American Family’s KnowYourDrive relies on a discounted pricing model. Also, KnowYourDrive requires that users are existing American Family car insurance policyholders. Allstate Drivewise, on the other hand, allows anyone to use it.
Is Allstate Drivewise worth it?
Off the bat, drivers should not expect to save 30% — or at least not right away. For savings this large, reviews say you need to build up to that saving percentage.
Most drivers use their cars during the “moderate risk” hours, which is basically all day: from 11 a.m. to 10 p.m. “High risk” hours are 10 p.m. to 4 a.m. These hours may be constricting to most people and not worth being docked points on a daily.
Can Drivewise raise your rates? Yes. Allstate Drivewise may negatively impact your rates. So, if you are considering buying a usage-based insurance policy, be sure you’re a conscientious driver.
You will likely save money using Drivewise, though. Allstate offers a 10% discount for signing up for Drivewise.
Is KnowYourDrive worth it?
American Family Insurance’s KnowYourDrive discount program does not affect your policy’s fixed rate but will impact other variables of your car insurance coverage. If you are a steady, reliable driver, you will likely see a 20% car insurance discount. But even if you score a 0 (or very low) for weeks, your baseline policy will never change.
KnowYourDrive has no possible negative impacts on your car insurance policy, so it’s an overall benefit. However, you may not want your driving or behaviors tracked by your auto insurance company — meaning it wouldn’t be worth it for you.
Keep in mind you can adjust some of the information in the app if it is wrong.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Other Usage-based/Telematics Insurance Programs
Both KnowYourDrive and Drivewise are just some of the many discount programs that these companies offer.
For example, Allstate also offers Milewise, a device installed in your car that tracks your driving.
Check out the chart below to compare other safe-driving programs offered by nationwide companies.
Telematics Reward and Discount Programs
Company Discount Requirements
Drive Safe & Save by State Farm up to 30 % - Limited sharp changes in speed
- Drive during peak hours
- Don't use your phone while driving
Nationwide SmartRide 10 percent when signing up, and up to 40 percent after that - Keep miles low
- Drive during peak hours
- Avoid sharp speed changes
Safeco RightTrack up to 35 percent - Drive during peak times
- All drivers on policy must be signed up
- Avoid sharp changes in speed
Geico DriveEasy up to 20 percent for signing up only - All drivers signed up on policy
- Don't use your phone while driving
- Avoid sharp changes in speed
DriveSense by Esurance dependent on driver - Must drive at least 50 trips during policy
Read more: Safeco RightTrack Car Insurance Discount
Most nationwide and even smaller car insurance companies offer a type of telematics-based discount. These programs are meant to lower the risks that drivers pose to the auto insurance policy and the road.
Read more: State Farm Drive Safe and Save Car Insurance Discount
Do Your Research
Now that you’ve learned a bit more about Drivewise and KnowYourDrive, you can start comparing which affordable usage-based insurance is right for you. These usage-based insurance policies can not only help you save money, but they can save your life. The data collected is reflected drivers in a score — which you should strive to keep high. Ready to start comparing your local car insurance rates? Before you buy auto insurance, enter your ZIP code to start comparing car insurance quotes in your area.
Frequently Asked Questions
What are Allstate Drivewise and American Family KnowYourDrive?
Allstate Drivewise and American Family KnowYourDrive are usage-based insurance (UBI) programs that use telematics technology to track and analyze a driver’s behavior, such as speed, acceleration, braking, and time of day. The programs offer discounts on car insurance premiums based on the driver’s performance.
How do Allstate Drivewise and American Family KnowYourDrive work?
Both programs require the installation of a telematics device in the insured vehicle that collects driving data and transmits it to the insurance company. The programs then use the data to calculate a driver’s score and assign a discount based on the score.
What discounts are available through Allstate Drivewise and American Family KnowYourDrive?
Both programs offer discounts on car insurance premiums based on the driver’s performance. The amount of the discount varies by state and is based on factors such as driving habits, time of day, and mileage.
Are there any costs associated with Allstate Drivewise or American Family KnowYourDrive?
Both programs are free to enroll in and do not require any additional fees. However, some drivers may incur costs for the telematics device installation, which varies by insurer.
Which program is better, Allstate Drivewise or American Family KnowYourDrive?
The choice between Allstate Drivewise and American Family KnowYourDrive ultimately depends on individual driver preferences and insurance needs. Both programs offer similar benefits and discounts, but the specific discounts and requirements may vary by state and insurer. Drivers should consider their driving habits and compare the discounts offered by each program before choosing which one to enroll in.
Can drivers opt-out of Allstate Drivewise or American Family KnowYourDrive?
Yes, drivers can opt-out of the programs at any time. However, they will no longer be eligible for any associated discounts. Some insurers may also charge a fee for early cancellation of the program.
Is my driving data secure with Allstate Drivewise or American Family KnowYourDrive?
Both Allstate Drivewise and American Family KnowYourDrive use encryption and other security measures to protect driver data. The programs also have privacy policies that outline how the data is collected, used, and shared. Drivers should review these policies and contact the insurer with any concerns about data security and privacy.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
Secured with SHA-256 Encryption
Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.