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The most generous usage-based program discount on the market
Do you want to save more than 40 percent on your car insurance rates? Depending on your state and how safely you drive, you may be able to do so by enrolling in Allstate’s Drivewise program.
The program is straightforward: download the Allstate mobile app and it will track your safe driving habits automatically. After 50 trips, you’ll see your discount at your next policy renewal. But is the program worth it and who would it be best for?
Allstate Drivewise is a usage-based insurance discount program from Allstate, an insurer we cover in detail in our Allstate auto insurance review. As part of the program, the company’s mobile app will track your driving behaviors and, if you drive safely, you could get a discount of more than 40 percent on your insurance premiums. This program is available in all states except New York.
Allstate Drivewise is a program available for new or existing Allstate customers. After you download the Allstate app, which has a 4.8-star iOS and a 3.9-star Android rating, the app will automatically detect when you’re driving. That means you can just “set it and forget it” — an incredibly easy way to save on your car insurance through Allstate.
The Allstate app uses the same amount of data and battery as other navigational apps, so it’s best to keep your phone charged while driving. According to Mint Mobile, apps like Google Maps take up 3MB to 5MB of data per hour.1
The Allstate app will collect data on different behaviors and factors, including those listed below.
If you live in Michigan, the Allstate app will not track your phone use while driving.
For most drivers, Allstate Drivewise will be worth it because the app is free and it can’t increase your auto insurance rates, only lower them. There is a discount on your car insurance rate just for signing up, although Allstate doesn’t specify the exact amount. But if you drive safely, you can shave 40 percent or more off your policy’s premiums. All that said, this program may be better for some people more than others.
Allstate Drivewise would be good for:
Allstate Drivewise would not be good for:
You’ll get a discount on your insurance for enrolling in the Allstate Drivewise program, plus additional discounts of 40 percent or more for safe driving behaviors. This is the largest discount we’ve seen from an insurance company, although your exact amount will vary based on the state you live in as well as your driving data.
To enroll in the Allstate Drivewise program, you can register in the Allstate app if you already have it or text ALLSTATEAPP to 25788 to get a downloadable link to the mobile app to start the sign-up process. There’s no separate app for Drivewise; it’s all baked into the regular Allstate app.
Aside from the Drivewise program, Allstate offers other discount opportunities that can lower the cost of your auto insurance:
Allstate Drivewise offers the most potential savings of any usage-based insurance program we’ve reviewed. The next best programs, with savings of up to 30 percent, are Liberty Mutual RightTrack, State Farm Drive Safe & Save and USAA SafePilot.
Discounts are guaranteed with all of these programs as long as you’re truthful about your driving habits and other information on your initial insurance application. All the programs track your location through mobile apps, but the iOS Allstate app is tied with the Liberty Mutual app for the highest Apple App Store rating (4.8). However, Allstate has the lowest-rated Android app with only 3.9 stars, so Android users may prefer a company like Liberty Mutual as its Android app has a 4.7 rating.
Here’s how we evaluate usage-based insurance discount programs like Allstate Drivewise.
We take a look at exactly what data the program uses to base discounts on. Typically, programs track braking, location, miles driven, phone use while driving, speed, acceleration and the time of day you’re driving. We prefer programs that detect trips automatically and crash detection is an extra feature we appreciate but is not a necessity. Ideally, the insurance company encrypts this data and doesn’t share it with third parties for marketing purposes.
We consider where the program is available, as not all programs are available in all states.
Whether the program should operate through a mobile app, a plug-in device or a combination of the two is a personal preference. While mobile apps are more straightforward, they may drain your phone battery, unlike a plug-in device. If the program uses an app, we check its ratings on the Google Play and Apple App stores.
We prefer programs that offer potential insurance discounts of up to 30 percent or higher, plus discounts just for signing up. Another essential feature we consider is whether the program could increase your insurance rate instead of reducing it. Some programs could increase your cost if you drive unsafely, so we prioritize programs that won’t do this regardless of driving data.
Yes, you can turn Drivewise off by following these steps.
If you want to cancel use of the Allstate program permanently, contact your insurance agent or call (800) 255-7828.
You’ll have to use the Drivewise app for at least 50 trips over either six months or one year, depending on the length of your policy term.
How much mobile data does Google Maps use (and can it use less)? Mint Mobile. (2022, Mar 22).
https://www.mintmobile.com/blog/how-much-data-does-google-maps-use/
Allstate online privacy statement. Allstate. (2023, Jan 6).
https://www.allstate.com/privacy-center/aic-privacy-statement
FARS Encyclopedia: Crashes – Time. U.S Department of Transportation. (2020).
https://www-fars.nhtsa.dot.gov/Crashes/CrashesTime.aspx