Allstate Drivewise vs. USAA SafePilot: Which Service Is Best (2023)
The USAA SafePilot app and the Allstate Drivewise device are usage-based insurance discounts. The USAA program serves active and retired members of the military. Allstate Drivewise reviews say it's great to everyone. If you qualify for both, you could save an average of 20 percent. Learn more and find out which of the two is best for you.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Oct 3, 2022
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: Oct 3, 2022
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
- Members of Allstate can save up to 30 percent on car insurance with Drivewise
- USAA SafePilot can help drivers save up to 20 percent on their rates
- Usage-based insurance tracks your mileage and driving behavior to determine insurance rates
Anyone has the opportunity to set their car insurance rates. Usage-based car insurance companies are coming out of the woodwork to provide you with this option.
Good drivers are usually rewarded in the insurance world. If you’re one of these people that drives safely and puts in low miles, you may want to consider a usage-based insurance policy.
In this Allstate Drivewise vs. USAA SafePilot review, we compare these discount programs so you can start saving money and staying safe on the road.
Enter your ZIP code to start comparing usage-based car insurance quotes in your area today.
What Is Drivewise From Allstate?
Allstate Drivewise is an app or plug-in device that monitors your driving behavior. The app tallies any “good” or “safe” habits, and good drivers are rewarded with discounted rates and cash-back rewards.
After you initiate Allstate Drivewise, drivers will automatically receive a 10 percent discount. Anyone, not just Allstate members, can download Drivewise.
With Drivewise, drivers can save up to 30 percent on car insurance premiums. However, reviews say that this is more difficult to achieve than you’d think. Drivers should expect an average of 15 to 20 percent savings.
How Does Drivewise Work?
The app uses modern technology, telematics, to record your data. Allstate Drivewise also uses sensors in your phone to corroborate your driving score.
These tools kick in when you’ve traveled more than 20 miles per hour for a short distance. Using your phone’s location services and other data Drivewise can determine if you’re driving and what safe practices you’re employing.
Drivewise monitors:
- Driving at safe speeds
- Not slamming on the brakes
- Late-night driving
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How Does SafePilot Work?
Like Allstate Drivewise, USAA SafePilot is an app that runs on your phone in the background and tracks your trips in the car. It’s designed to track harsh braking, general phone usage, handheld calling, and hands-free calling.
You’ll be able to see your routes and scores on your app.
What Are the Advantages and Disadvantages of SafePilot?
Right off the bat, USAA isn’t available in every state — and its website isn’t clear on which states have services available. However, if you are eligible to enroll in a USAA car insurance policy, you should opt for the SafePilot free program.
USAA is a significant car insurance dealer in the United States and outperforms its civilian-serving counterparts in both customer satisfaction and best car insurance rates.
The app itself, though, is less intuitive than Drivewise. Customers have complained that the app will track trips even when you’re not the driver. However, this can be easily fixed by signing in.
What Is Usage-Based Car Insurance?
Telematics, or usage-based, insurance programs collect driving data to provide personalized feedback to your auto insurance provider.
Affordable usage-based insurance, which started with Progressive, charges drivers a lowered rate for being cautious on the road. Risky drivers mean more claims, more money, and more work the usage-based insurance company has to delve out.
This technology helps drivers avoid accidents by monitoring — and letting them monitor — their driving habits.
Which Is Better, USAA SafePilot vs. Allstate Drivewise?
If you’re looking to sign-up for a usage-based car insurance company, you may find that these two programs offer similar benefits. However, Allstate comes out on top.
Check out this table to get an idea of where USAA and Allstate stand in terms of affordable car insurance.
| Insurance Companies | Average Annual Rates with a Clean Record | Average Annual Rates with One Accident | Average Annual Rates with One DUI | Average Annual Rates with One Speeding Violation |
|---|---|---|---|---|
| USAA | $1,933.68 | $2,516.24 | $3,506.03 | $2,193.25 |
| American Family | $2,693.61 | $3,722.75 | $4,330.24 | $3,025.74 |
| Nationwide | $2,746.18 | $3,396.95 | $4,543.20 | $3,113.68 |
| State Farm | $2,821.18 | $3,396.01 | $3,636.80 | $3,186.01 |
| Progressive | $3,393.09 | $4,777.04 | $3,969.65 | $4,002.28 |
| Travelers | $3,447.69 | $4,289.74 | $5,741.40 | $4,260.80 |
| Farmers | $3,460.60 | $4,518.73 | $4,718.75 | $4,079.01 |
| Allstate | $3,819.90 | $4,987.68 | $6,260.73 | $4,483.51 |
| Liberty Mutual | $4,774.30 | $6,204.78 | $7,613.48 | $5,701.26 |
Is Allstate Drivewise worth it or USAA SafePilot?
Drivers aren’t penalized for driving habits that are deemed risky. This is a perk because the app doesn’t pose any risk to the drivers, it’s only an opportunity to save money.
Drivers shouldn’t get their hopes up, though. Drivewise makes it challenging to reach the maximum discount. The average savings are about 20 percent. However, Allstate’s sign-up fee is double that of USAA SafePilot’s. SafePilot only gives drivers a 5 percent discount upon signup.
Other Drivewise reviews claim that they feel the app violates their privacy. While it can’t track where you drive, Allstate’s Drivewise terms of use say, “Data from the device may be deemed discoverable by third parties and used in an accident investigation and⁄or litigation.”
If you are in the military or are a military family, USAA car insurance rates are superior to Allstate. USAA has average rates of $1,900 annually. With Allstate, on the other hand, drivers can pay up to $3,000 per year.
Allstate does write more direct premiums annually, though. The Insurance Information Institute reported that USAA (6 percent) is slightly behind Allstate (9.3 percent) in market share.
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Do Your Research on Savings Programs
We’ve covered the basic reviews of USAA SafePilot and Allstate Drivewise, but what it really comes down to is your military status.
If you’re in the military, USAA can help save drivers nearly $700 a year on car insurance. But, if you’re a civilian, Allstate Drivewise offers a better discount and a better app.
Ready to compare usage-based car insurance quotes in your area? Enter your ZIP code to get starts today.
FAQ
Does SafePilot save you money?
It can. That is the point of the program, to help drivers save money. You can save up to 20 percent on your monthly premium with SafePilot.
Can Allstate Drivewise raise your rates?
No. Drivewise does not penalize drivers for low scores on the app.
Does phone activity affect Drivewise?
Yes. Drivewise reviews say that it can detect when you the passenger or when you’re the driver. So, when you’re not driving, your phone activity will not impact your score. But if you’re driving, phone activity is counted as distracted driving.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
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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.
|
Written by
Chris Tepedino |
|
Reviewed by
Laura Walker
|