Allstate Drivewise Review: Pros, Cons, & Alternatives
Allstate Drivewise is a usage-based program that offers discounts of up to 10% just for signing up, and up to 25% after the program has been completed. The Allstate Drivewise device and app monitor your driving habits over time to calculate a discount for safe driving. There is no risk of rates going up after using the Allstate Drivewise program.
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Written by
Chris Tepedino
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Reviewed by
Laura Walker
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UPDATED: Jun 10, 2021
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- Drivewise from Allstate monitors your driving and offers discounts based on your safe driving habits
- You get a discount of up to 10 percent for signing up and then up to 25 percent cash back for good driving
- Allstate doesn’t raise your rates if you exhibit poor driving skills
Allstate Drivewise uses telematics to see how well you drive and offers car insurance discounts based on safe driving. You get an initial discount of up to 10 percent, then you can earn up to 25 percent cash back at renewal.
Before you buy Allstate Drivewise auto insurance, shop around to make sure you are getting the best deal on your insurance premiums. While quoting Allstate Drivewise car insurance rates isn’t possible since the discount is based on your driving over time, you can see how much you could save by shopping around right now. Enter your ZIP code now to compare free quotes today.
Table of Contents
What is Allstate Drivewise?
Drivewise from Allstate uses telematics to evaluate your driving. A small plugin device and the app monitors your driving habits. The device plugs into your car’s dash, and the app remains running in the background on your phone, once you use your Allstate login to turn it on.
Your discount and cashback depend on your safe driving. The habits that Drivewise uses to calculate your savings are:
- Speed
- Time of day you drive
- Hard braking occurrences
It is entirely up to you whether or not Drivewise really decreases your car insurance rates. Better driving equals more savings. If you typically drive a safe speed and avoid extreme braking and are considered overall a safe driver, you might end up with cheap Allstate insurance.
According to the Insurance Information Institute, one of the main advantages of telematics is that it provides immediate feedback, causing you to adjust your driving habits quickly.
The downsides are that since it uses a telematics program, your privacy is up for grabs and the app is always running on your phone.
Allstate Drivewise records your driving activity and can use that data in many different ways. Although the company says it doesn’t sell your data, it can be used in accident investigations.
Because the Drivewise app keeps running in the background on your phone, battery life and data usage on your mobile devices can be affected.
However, there are advantages to having the Allstate app on your phone. With your Allstate insurance login, you can access your account with your insurance ID cards and even make payments. You can also use the app to file and track your Allstate claims.
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Is Allstate Drivewise worth it?
Drivewise is great for drivers who don’t put a lot of mileage on their cars, don’t speed, and don’t drive during peak times.
There are very few cons to signing up for Drivewise. The program is free, your rates won’t increase for bad driving, and just using the program can make you a safer driver.
If you aren’t sold on Drivewise, some alternatives would be GEICO DriveEasy or Progressive Snapshot, but there are many car insurance companies out there that offer telematics programs. Allstate Drivewise car insurance quotes, like all usage-based programs, can’t be estimated because they are based on feedback from your driving habits.
Allstate is one of the best insurance companies out there and the feedback reflects it. Reviews for Drivewise are generally good, with most users reporting savings on their auto policy.
You might be able to get affordable Allstate Drivewise auto insurance, but you won’t know the price until after the monitoring process while running the program. Enter your ZIP code now to compare free car insurance quotes to save even without a usage-based program.