American Family KnowYourDrive Review: Pros, Cons, & Alternatives

This American Family KnowYourDrive Review: Pros, Cons, & Alternatives review will cover American Family KnowYourDrive Review: Pros, Cons, & Alternatives ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The American Family KnowYourDrive Review: Pros, Cons, & Alternatives A.M. Best rating is A. To compare insurance rates from the best companies in your locale, enter your ZIP code below.

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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

UPDATED: Jun 28, 2022

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Company Details
Address: 6000 American Parkway
City: Madison
State: WI
ZIP Code: 53783
Phone Number: 1-800-692-6326
Year Founded: 1927
AM Best Rating: A

When you’re shopping for car insurance, one of your goals is probably to find the most affordable rates. One way to save is to find a company that offers usage-based insurance. American Family KnowYourDrive is an example of this.

So what is American Family KnowYourDrive? How can you get it? Will you save? Is affordable American Family KnowYourDrive car insurance available? Is it worth it? Read this review for the answers to these and other questions.

Before we get started on this American Family KnowYourDrive car insurance review, why not use your ZIP code in the tool on this page to start comparing rates from insurance companies in your area right now?

What is American Family KnowYourDrive, and how does it work?

KnowYourDrive is the usage-based insurance program offered by American Family (which is not the same as American Family Care, an urgent care company). Similar to Allstate Drivewise, Liberty Mutual’s Right Track, Esurance’s DriveSense, and others, KnowYourDrive is a way to save on your rates by qualifying for discounts that are determined by your driving habits.

The American Family insurance KnowYourDrive program tracks various information to determine how safely you drive and provide you with discounts accordingly (however, poor driving should not mean higher rates, according to the company).

If you want to give KnowYourDrive a shot, all you need to do is download the free app and sign up. Once it’s active, KnowYourDrive will track your:

  • Driving speed
  • Braking habits
  • Driving times
  • Driving duration
  • Distracted driving (not included in your discount calculation)

Keep reading for potential savings and other pros and cons.

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How much can you save with KnowYourDrive, and is it worth it?

If you’re looking to buy American Family KnowYourDrive car insurance, you probably won’t find American Family KnowYourDrive car insurance quotes or American Family KnowYourDrive car insurance rates published on the internet.

Why? Because rates are based on individual driving habits. After the initial 10 percent discount for signing up for KnowYourDrive, you can save up to 20 percent on your monthly rates if you drive carefully. The best way to ensure you’re getting a good discount is to:

  • Follow all posted speed limits and avoid quick accelerations or hard braking
  • Avoid driving after dark whenever possible
  • Decrease the amount of time you spend on the road

Another benefit to KnowYourDrive is that you may qualify for free enrollment in American Family’s Travel Peace of Mind when you sign up, which provides you with free roadside assistance, rental reimbursement, and other benefits. Speak to your insurance agent to find out more.

So what are the cons associated with KnowYourDrive? Like most telematics-based insurance programs, privacy concerns are associated with the data collection necessary to adjust rates.

The Insurance Information Institute reports that these concerns have resulted in some states enacting laws requiring companies to specifically indicate what data is being collected, how it’s used, and more.

American Family KnowYourDrive: The Bottom Line

The American Family KnowYourDrive usage-based insurance program can save you an initial 10 percent on your rates for signing up, but there’s potential to save up to 20 percent on your monthly rates, depending on how safely you drive.

To help you decide if American Family insurance is the right insurance provider for you, we have an American Family auto insurance review you can read.

Before you leave our American Family KnowYourDrive review, take a minute to enter your ZIP code in our free comparison tool to get a free quote from an insurance company in your area today.

Reviews
for American Family Insurance

4.04 (2,178 reviews)
5
January 15, 2021

Doggy

Awesome

Awesome, highly recommend using this company. Best I’ve ever dealt with thus far, great costumer service
4
January 14, 2021

flip2score7

am fam review

for the most part, there have been no issues in the years I have been on their insurance with family and then subsequently purchasing my own with them. however, they are sometimes slow to send things out.
2
October 15, 2020

timtone

Unexpected charges

They charged me a fee to use my card instead of a check what is this 1965? I left for a more 2020 provider esurance!
5
October 15, 2020

ely135

American Family tops any other insurance company

This insurance company really goes the extra mile. They are always willing to walk you through anything you need help with and explain things you may not quite understand. They even have check-ins every 6 months or so to make sure your policy is still suited for your current needs and that you aren't missing out on any applicable discounts. Moreover, American Family offers an incredible amount of discounts. I would be shocked if any individuals a...
This insurance company really goes the extra mile. They are always willing to walk you through anything you need help with and explain things you may not quite understand. They even have check-ins every 6 months or so to make sure your policy is still suited for your current needs and that you aren't missing out on any applicable discounts. Moreover, American Family offers an incredible amount of discounts. I would be shocked if any individuals actually received a quote that did not have at least one discount on it! When a company has amazing customer service and really cares about saving you money, it's hard to believe that the coverage you are provided could really be anything other than terrible. American Family strives to leave you flabbergasted. My auto insurance is everything I want/need, and I'm paying a premium that is $200 below what any and all other companies quoted me!
5
October 12, 2020

snoopyhugs18

When a 90-minute Meeting Saved Us $596!

Because we have our Condo Insurance with American Family, our local agent reached out to my husband and me to review that policy at the time of its annual renewal. I appreciated the ability to do this--in person (with proper precautions taken) even in spite of COVID-19. During this meeting, we requested an Auto Insurance quote, and we were thrilled to discover that American Family could save us approx. $596 annually for identical coverage if we s...
Because we have our Condo Insurance with American Family, our local agent reached out to my husband and me to review that policy at the time of its annual renewal. I appreciated the ability to do this--in person (with proper precautions taken) even in spite of COVID-19. During this meeting, we requested an Auto Insurance quote, and we were thrilled to discover that American Family could save us approx. $596 annually for identical coverage if we switched from our former insurer! The new policy was underwritten and ready for us to sign in less than 24 hours. American Family's online tools are easy and efficient to use, yet they look and feel secure. After a 6-year break from American Family because there was no local agent where we previously lived, I am so glad to be back!
5
October 2, 2020

DomMar35

Boss

American Family Insurance is an amazing company that acts quickly on claims and works to ensure customer satisfaction
5
October 2, 2020

ruthjahncoz

a bright point in a dark time

We were in a bad car crash. The other car was at fault, but we had car replacement coverage. We had the money to buy a new to us car in less than three weeks. We covered our new to us car with them. We had to talk to several departments during this time and everyone was helpful.
5
June 12, 2020

LillyM

Young but excited about Insurance!

I think they are good so far, I can't wait to get the decrease in insurance payment at the age of 25. Just 6 more years to go!
5
May 5, 2020

KatieM

My AMFAM experience

Good service always! very friendly, easy to work with, available to anser all my quesitions, very profesional .
4
May 4, 2020

Alex091019753878939898

$145?

I was with American Family Insurance for a little over 7 years. I was fine with them up until I had gotten my kid onto the insurance plan for our cars. The quote said that it would be +$145 a month if he joins. He has been driving dirt bikes, go carts, tractors, and occasionally the farm truck around for years. He passed his driving exam with a 98% (his first test and the fourth time driving), and his written with 100%.
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