Allstate Drivewise vs. American Family KnowYourDrive: Which Service Is Best (2021)

In this Allstate Drivewise vs. American Family KnowYourDrive Insurance Review, we compare two apps to help determine which car insurance discount is right for you. Both the KnowYourDrive and the Allstate Drivewise app can help drivers save up to 20 percent on monthly car insurance rates by using telematics to track your driving.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Feb 3, 2021

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The Rundown

  • American Family KnowYourDrive offers a 10 percent sign-up discount.
  • Allstate Drivewise can save drivers up to 20 percent on monthly auto insurance bills.
  • Usage-based insurance programs are designed to help drivers become more aware of the road.

Safe driving is the new way to save on car insurance for policyholders of Allstate and American Family Insurance. Car insurance providers around the nation are promoting safe driving through the use of telematics. That’s the technology behind the KnowYourDrive and Drivewise app.

In this review, we’ll look at Allstate Drivewise vs. American Family KnowYourDrive. Read on to learn about these programs and how they lower auto insurance rates. But first, we’ll get familiar with buying usage-based insurance.

If you want to start researching policies in your area, use our free tool. Enter your ZIP code to start comparing affordable auto insurance quotes in your area.

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.

Where usage-based insurance differs, according to the Insurance Information Institute, is the immediate feedback provided from the apps required for these programs.

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.

About American Family KnowYourDrive

American Family is in 19 states around the midwest. The KnowYourDrive discount is one of several that the American Family offers. KnowYourDrive claims to save drivers up to 20 percent 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 percent 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 percent, and the least is 2 percent.

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 percent 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.

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 translated into discounts and cash back for every six months of safe driving.

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.

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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 percent 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 Drivewise and KnowYourDrive offer significant benefits.

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 percent — 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 percent 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 percent 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.

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

CompanyDiscountRequirements
Drive Safe & Save by State Farmup to 30 %- Limited sharp changes in speed
- Drive during peak hours
- Don't use your phone while driving
Nationwide SmartRide10 percent when signing up, and up to 40 percent after that - Keep miles low
- Drive during peak hours
- Avoid sharp speed changes
Safeco RightTrackup to 35 percent - Drive during peak times
- All drivers on policy must be signed up
- Avoid sharp changes in speed
GEICO DriveEasyup 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 Esurancedependent on driver - Must drive at least 50 trips during policy

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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 policy and the road.

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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.

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