Allstate Drivewise vs. State Farm Drive Safe and Save: Which Service Is Best (2021)

Usage-based car insurance can be a great way to save money on your insurance, but which company has the right program for you? State Farm Drive Safe and Save can help drivers save up to 50 percent on insurance premiums. Allstate Drivewise only offers drivers up to 20 percent savings with cash-back rewards every six-months. Read this guide to see the pros and cons of both companies usage-based insurance programs.

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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 9, 2021

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The Rundown

  • State Farm Drive Safe and Save leads the telematic game — it offers drivers up to 50 percent off insurance premiums 
  • Allstate Drivewise saves drivers on average 15 percent on car insurance 
  • Usage-based insurance programs as a whole have lowered commercial accidents by 80 percent. 

Allstate Drivewise and State Farm Drive Safe and Save are both usage-based insurance policies with notable top car insurance companies in the nation. 

State Farm Drive and Save offers the highest discount available through online usage-based insurance quotes. Allstate Drivewise, however, can help anyone save money. 

If you want to find more usage-based insurance companies in your area, enter your ZIP code now to get started. If not, keep reading this guide to compare Allstate Drivewise vs. State Farm Drive Safe and Save to find out which discount is better for you. 

What Is State Farm Drive Safe And Save?

State Farm Drive Safe & Save is a telematics app that measures policy discounts based on your safe driving habits. So, how does Safe and Save work? 

State Farm offers its usage-based insurance policy, Drive Safe and Save, in two ways. Drives can either download the State Farm Drive Safe and Save app or go through an OnStar system — if applicable. 

With the Onstar method, State Farm requests information from OnStar to calculate your discount. The app can be downloaded to your phone, but it will only work if you have the Bluetooth beacon in your car. State Farm will send you this device after you enroll in the program. 

What does State Farm Drive Safe and Save monitor?

The Drive Safe and Save app records:

  • Sharp increases in speed
  • Hard braking
  • Sharp, risky turns
  • The number of miles driven each year
  • Speed over 80 mph
  • Time of day
  • Location

The OnStar system only records information it can gather from your odometer. 

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How Do You Save With State Farm Drive Safe And Save?

State Farm Safe and Save uses all the data collected and applies it to a rate that will kick in at your renewal date. They use a grading system to help you decipher whether you’re a risky driver or not.

This system can help you monitor and adapt your driving so you can see more significant discounts. 

State Farm Drive Safe and Save grades are determined for three categories: acceleration, braking, and turning. What are Drive Safe and Save grades? Just State Farm’s term for points. 

Who is the Drive Safe and Save program a good option for?

The obvious answer is safe, responsible drivers. If you know that you are a consistent driver that takes short, brief trips, your discounts can drastically drop your premium cost. 

Usage-based insurance rates can also be motivators for less-safe drivers. You can watch your cost lower as you drive safer. 

What Is Drivewise From Allstate? 

Drivewise is a discount program with Allstate that encourages drivers to practice safe driving. You can either download the Allstate Drivewise app or get the plug-in device to use the program, and Drivewise will start calculating discounted car insurance premiums.

On average, drivers save between 15 and 20 percent; the maximum savings is 30 percent, and your driving score won’t be held against you.

Anyone, even nonmembers, can download this free app through Allstate. Drivewise, like its competitor State Farm, uses telematics to calculate driver discounts.  

Can Allstate Drivewise raise your rates?

Through the app, Drivewise gathers rewards points for safe driving. After your initial 10 percent discount for signing up, Allstate evaluates drivers on a rolling basis. Drivers will see rewards every six months of safe driving. “Safe driving” to Allstate means: 

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

Phone activity does affect Allstate Drivewise, however, the app can tell when you are using your phone while driving using the sensors and algorithm of telematics. Drivewise can also determine if you’re the driver or not.

The app starts tracking your driving after you’ve driven a short distance with travel speeds higher than 20 miles per hour. For it to work, your phone must be charged at least 25 percent. 

Is Allstate Drivewise worth it?

One cool perk about Allstate Drivewise is that you do not have to be an Allstate policyholder to use the app.

Other Allstate Drivewise reviews complain that drivers don’t usually achieve the maximum 30 percent discount. Drivers say that savings are more likely to be range between 10 to 20 percent.  

Can Allstate Drivewise raise your rates? No, which is another perk to this program. You can either save money or pay your regular premium — no harm is done.

Other than that, if you already have Allstate, you might as well enroll in the app and see if you can save some money.

Keep Track of Your Driving

As we’ve found, usage-based insurance policies can not only save you money but can save you from dangers on the road. 

Whether you’re looking for serious discounts, or just seeing what you can get, either option will reap some good savings. However, State Farm’s discounts could slash your insurance premiums in half, whereas Allstate’s best discount is 30 percent. 

Enter your ZIP code now to start comparing usage-based insurance quotes in your area.

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