Allstate Drivewise vs. GEICO DriveEasy: Which Service Is Best (2022)

Both Allstate and GEICO offer usage-based insurance that gives you the opportunity to earn discounts by driving safely, but which one is better for you? GEICO DriveEasy reviews say that the app will penalize drivers for bad scores. Allstate's Drivewise app doesn't penalize drivers at all. Read this guide to learn more about the different ways these apps can save, or not save, you money.

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UPDATED: Jun 28, 2022

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Written By: Chris TepedinoReviewed By: Laura WalkerUPDATED: Jun 28, 2022Fact Checked

The Rundown

  • Usage-based programs helps safe drivers get discounts
  • GEICO DriveEasy and Allstate Drivewise are part of the popular usage-based car insurance trend that collect data through your mobile device to give you discounted auto insurance rates

GEICO and Allstate are among the car insurance providers that utilize usage-based auto insurance discounts to encourage safe driving. Allstate Drivewise and GEICO DriveEasy measure driving habits through your phone with little effort all you have to do is download the app.

In this guide, we look at Allstate Drivewise vs. GEICO DriveEasy to see which offers the best usage-based auto insurance. Keep reading to learn more about Allstate and GEICO and whether these apps are right for you.

If you’re ready to start looking for affordable usage-based auto insurance providers, use our free tool to help your search. Enter your ZIP code and start comparing auto insurance quotes in your area.

How does DriveEasy work?

Once GEICO members download the DriveEasy mobile app and log into their GEICO account, DriveEasy discounts will start to accumulate. The app works easily: Download the app, monitor driving habits, and save.

There may be some allowances you need to enable (such as location services or cellular services) to use the app.

Once the DriveEasy is downloaded, it immediately starts detecting your driving.

GEICO DriveEasy uses tracking technology, called telematics, to provide this affordable car insurance discount program. It’s not alone either. GEICO is one of many nationwide that offers this sort of usage-based car insurance. These programs were created to provide discounts for safe driving.

Telematics detects movement based on sensors in cellphones and through GPS. DriveEasy and its competitors are amazing in that they can identify whether you’re the driver or passenger of the car and if you’re on public transportation.

This means you won’t have your friend’s bad driving habits tracked under your account, ruining your score. (Though if you’re the worst driver in your friend group, this means you can’t cheat the system).

Anyone can use GEICO DriveEasy under the policyholder’s auto coverage. Drivers can download and start driving to see their rates down.

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What do “bad driving habits” behind the wheel mean?

What driving habits does GEICO DriveEasy monitor?

GEICO DriveEasy keeps track of distracted driving behaviors. This means that activities such as phone calls or just actively touching your phone while going faster than six mph will ding your account.

Unfortunately, this also includes when passengers are operating your phone. The app can’t distinguish between you, the driver, and a passenger.

So what type of behavior is counted in the score?

  • Hands-free phone calls? No
  • Handheld phone calls? Yes
  • Active phone use (i.e., holding it, tapping)? Yes
  • Passive phone use (e.g., in the mount, screen on)? No

Active phone use means that you are touching your phone screen, minimizing windows, fiddling with GPS, unlocking your phone, etc. So leaving your phone GPS on while safely mounted will not impact your score unless you’re touching the screen.

DriveEasy is geared toward safe drivers. If you’re not a safe driver, you may not want to enroll in this program. Keep reading to find out the perks and drawbacks of GEICO DriveEasy.

Is DriveEasy worth it?

GEICO’s DriveEasy is a program that helps drivers lower their rates by encouraging awareness on the road. GEICO DriveEasy rewards safe drivers but penalizes you if you drive recklessly.

Driving data collected from the app is used to calculate your personalized GEICO DriveEasy discount. GEICO analyzes your patterns and gives you a score, this score is then applied to your rate.

Plain and simple, though, if you’re a safe driver DriveEasy is worth it. A little off your rates is a benefit to anyone.

DriveEasy is currently available to eligible customers with GEICO policies in these states:

  • Colorado
  • Connecticut
  • Florida
  • Illinois
  • Indiana
  • Louisiana
  • Kentucky
  • Maryland
  • New Jersey
  • New Mexico
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Texas
  • Virginia
  • Wisconsin

Location may not be the only pitfall to GEICO DriveEasy for you; you may be a risky driver. If that’s the case, you may find that GEICO DriveEasy poses more of a disadvantage than an advantage to you.

What are the advantages and disadvantages of DriveEasy?

With GEICO DriveEasy, usage-based insurance rates will fluctuate based on your driving habits. So if you tend to speed, have been known to take a work call on the road, or are continually rerouting your GPS, DriveEasy may not be the usage-based auto insurance you buy into for savings.

Alternatively, if you practice safe driving you could see your car premiums decrease.

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What is Allstate Drivewise?

Allstate Drivewise is a safe-driving program with Allstate that measures driving behaviors and rewards good drivers. The idea is that: the safer you drive, the more you can save. Drivewise is a free app through Allstate that drivers download and activate while driving.

Is Allstate Drivewise worth it?

The device or mobile app can help drivers save up to 30% in discounts on their vehicle coverages.

The Allstate Drivewise app allows you to collect Allstate Drivewise rewards (or drive performance cash rewards) through points for safe driving. Allstate rewards can be reaped instantaneously. Anyone who downloads the app has the opportunity to receive cashback for every six months of safe driving.

Safe driving means:

  • Driving at safe speeds 
  • Not slamming on the brakes
  • No late-night driving

The app detects when you’re driving using your phone’s location (so, your phone needs to be at least 25% charged in order to use Allstate Drivewise). It kicks on after motion is detected at a short distance with travel speeds higher than 20 miles per hour.

Some drivers might wonder how can I beat the system or how can I cheat the Allstate Drivewise app. Our simple advice to you is don’t. It’s never worth it to attempt to cheat the system, whether through your insurance policy application or through a mobile app. Be smart and make an insurance policy choice that’s right for your situation.

What is a usage-based policy?

Usage-based insurance is ideal for drivers looking for car insurance that better reflects safe driving skills.

Usage-based insurance is an option offered by many auto insurance companies in the United States, resulting in reduced car insurance rates. These adjusted rates are based on your driving skills such as speeding, acceleration, and harsh braking, along with other metrics like mileage and the time of day you drive.

Generally, the better you drive, the better your rates. In some cases, such as with DriveEasy, drivers may see an increase in their monthly bills if they don’t practice safe driving habits.

These programs are monitoring your driving. This means that your insurance provider can view the risk you pose on the road. This is something that drivers should keep in mind when shopping around for usage-based insurance.

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What other usage-based/telematics insurance programs are out there?

Both GEICO’s DriveEasy and Allstate’s Drivewise are two of the many discount programs that exist from auto insurance providers.

For example, Allstate also offers Milewise, which is a device installed in your car that tracks your driving. The estimated savings for Allstate Drivewise’s sister are up to 25%. Milewise bases rates on a daily rate and a per-mile rate.

Check out the chart below to compare other safe-driving programs offered by nationwide companies.

Telematics Reward and Discount Programs

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 some sort of telematics discount. These programs are meant to lower the risks that drivers pose to the policy and to the road.

How can you find out more about Allstate Drivewise and GEICO DriveEasy?

Do the Allstate Drivewise rewards outweigh the perks of GEICO’s DriveEasy for you? Or the other way around? Either way, usage-based insurance programs that use telematics are leading the auto insurance discount game you may want to jump on the wagon.

See your savings increase along with your attention to the road while your auto insurance policy rates decrease.

Find out more from your local agents about savings in your state. Enter your ZIP code to compare car insurance quotes from companies in your area.


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.

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

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 Laura Walker

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