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Last updated: April 10, 2024

Allstate Drivewise Review 2024

Is it worth signing up for Allstate’s usage-based insurance discount?

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According to Allstate, you can save up to 40 percent on your car insurance with its Drivewise discount program, which rewards you for safe driving.

The program is straightforward: Download the Allstate mobile app and it will track your safe driving habits automatically. Depending on how safely you drive, you’ll see your discount at your next policy renewal.

But is the program worth it, and whom is it best for?

In addition to my industry knowledge as a senior editor and analyst at, I recently got a quote with Allstate and spoke to an agent about how the discount works. Though I’m not an Allstate customer, I can compare Drivewise to my usage-based discount with State Farm Drive Safe & Save.

I’ll walk you through whether the Drivewise discount is right for you.

Allstate Drivewise: Expert Insights

Quick Look: Allstate Drivewise Pros and Cons


  • Save just for signing up, and up to 40% at your renewal

  • Seamlessly integrated into the Allstate app

  • Includes crash detection feature

  • Greater savings when multiple drivers enroll


  • Discount not available in California or Arkansas

  • Actual savings vary significantly by state

  • Can increase your rate in certain states

What Is Allstate Drivewise?

Allstate Drivewise is a usage-based insurance discount program from Allstate. Drivewise tracks the following:

  • Speed: Keep under 80 mph
  • Braking: Limit sudden stops
  • Night driving: Limit nighttime driving — 11:00 p.m. to 4:00 a.m. on weekdays and 11:00 p.m. to 5:00 a.m. on weekends.


According to 2021 data from the National Highway Traffic Safety Administration, nearly 20 percent of fatal crashes occur between midnight and 6 a.m.1

Interestingly, when I spoke to an Allstate agent about Drivewise while getting a quote, he mentioned only the first two factors: speeding and hard braking. It’s possible he simply forgot to mention night driving, and that Allstate doesn’t track that behavior in my state (Pennsylvania). I suspect that’s the case.

The app will also give you feedback on phone use, but won’t use it to calculate your rewards. That’s one small issue I have with State Farm. I never use my phone while driving — the research on distracted driving shows it is extremely dangerous — but State Farm will ding me if a passenger uses my phone while I’m behind the wheel. While I can make corrections in the app, it is a little annoying. You won’t have that same problem with Drivewise.

How Much Do You Save With Allstate Drivewise?

According to Allstate, you can save 10 percent for signing up, and up to 40 percent depending on your driving habits. Only a few other providers offer as high of a usage-based discount, including Nationwide. For comparison, the most I can save with State Farm’s Drive Safe & Save discount is 30 percent.

However, exact savings will vary by state, and may be lower. For example, as a Pennsylvanian, I was quoted a 10 percent discount if I signed up for Drivewise. But in other states, customers report the sign-up discount is as low as 3 percent and the safe driving discount goes up to only 15 percent. In California and Arkansas, Drivewise is unavailable altogether, and Allstate has begun phasing out Drivewise in Alaska.

Drivewise Instructions

So, while it’s possible to save up to 40 percent with Drivewise, whether these exact savings are available to you depends on where you live.

Another important factor that varies by state: In some states, Drivewise can actually increase your auto insurance rates for risky driving. The agent I spoke to informed me that this is true where I live, in Pennsylvania. If you’re deciding whether to sign up for Drivewise, this is worth asking about. While I consider myself a safe driver, it gives me peace of mind knowing that State Farm will never use its usage-based discount to increase my rates, only to lower them.


Learn more about Allstate in my Allstate auto insurance review.

When Do You Start Earning the Drivewise Discount?

You get an initial discount on your car insurance for your first six-month policy period when you sign up for Drivewise. You need to take at least 50 trips to earn the higher discount reward, which Allstate will apply at your next policy renewal.

If you take fewer than 50 trips, you’ll keep the 10 percent participation discount, but you won’t save more than that.

This works a little differently than State Farm’s discount, which doesn’t have a minimum trip requirement (and actually rewards you for driving fewer miles — something I discuss in my State Farm review).

Households With Multiple Drivers

If you share a car with other people in your household, you could save even more with Drivewise because Allstate increases your discount the more drivers sign up.

For example, if you’re a parent of one or more young drivers (and you have confidence in their ability to drive safely!), Drivewise could be a great opportunity to lower the cost of insurance for teen drivers.

Or if, like me, you’re not a parent but you share a vehicle with your partner, you could save if you both enroll in Drivewise.

How Does Allstate Drivewise Work?


Setting up the Drivewise discount is straightforward, as it’s integrated into the Allstate mobile app. Simply log in, tap “Drivewise,” and accept requested permissions. On Android Samsung and Google Pixel devices, you’ll need to take a few extra steps to adjust your location settings.

To maximize your savings, make sure every person on the policy downloads the app and activates Drivewise.


The Allstate app uses the same amount of data and battery as other navigation apps, so it’s best to keep your phone charged while driving. According to Mint Mobile, apps like Google Maps can use 3 MB to 5 MB of data per hour.2

Drivewise App

Drivewise Rewards

Trip Tracking

Unlike State Farm, Allstate does not use a transponder device to track your driving. (Plug-in devices were available in some states until November 2023). This makes setup easier, though in my view, there is a downside.

Because Drivewise relies solely on your phone, the app will also detect trips when you are a passenger — even in another vehicle, like a Lyft, Uber, or taxi. Drivewise automatically predicts whether you’re a driver or passenger, and it will count only driver trips toward your score. However, if Drivewise incorrectly determines you’re a driver, you must manually edit the trip in the app. If you forget, your discount could be undermined by another driver’s poor habits.

Personally, I prefer the State Farm setup, which relies on a Bluetooth connection between my phone and the tracking device. I would find it tiresome to correct trips in the Allstate app (or worry about forgetting). But if you rarely ride in other vehicles, this probably isn’t a big deal.

Data Privacy

To use Drivewise, you must allow the Allstate mobile app to monitor your location data at all times. (I also have to share this data with State Farm to earn the Drive Safe & Save discount). Allstate’s privacy statement states that it shares geolocation data with third parties involved in business transactions, which could include authorized agents and brokers, law enforcement, regulators, and service providers.3 For those concerned about data privacy, this may be a reason to skip the Drivewise discount.

Crash Detection

If the Allstate app detects you’ve been in a major collision (generally considered greater than 25 mph), it will send you a notification to offer help. The app won’t detect minor accidents; for example, if someone rear-ends you or you’re involved in a fender bender. Allstate offers this feature free of charge. State Farm offers me a similar feature in its app, which I fortunately haven’t had to use. I consider it a nice-to-have.

App Store and Google Play Reviews

Since I don’t have firsthand experience with the Allstate mobile app, I looked at app store data for this review. The Allstate mobile app, which tracks your Drivewise discount, receives mixed to positive reviews. iPhone users may have a better experience than Android users.

App Rating (out of 5)
Android (Google Play) 3.9 stars
iPhone (App Store) 4.8 stars

The most common complaints about the app include:

  • Does not record trips (which could prevent you from reaching the 50 trips needed to earn higher savings)
  • Drains battery by monitoring location in the background
  • Sends too many notifications to check if you’re driving

Regarding the third point, I see this as another advantage of State Farm’s using a Bluetooth device to monitor my driving. Since my phone connects only to the Bluetooth device in my car, Drive Safe & Save never mistakenly registers me as driving.

Positive reviews suggest that customers have the best luck resolving these issues by working with their agent.

Allstate Drivewise vs. the Competition

Here’s how Drivewise compares to other major insurance companies’ usage-based discounts:

Discount program Maximum discount (often varies by state) Enrollment discount (often varies by state) What it tracks Review period
Allstate Drivewise 40% 10%
  • Speeding
  • Braking
  • Time of day driven
50 trips; discount on renewal
State Farm Drive Safe & Save 30% 10%
  • Acceleration and speed
  • Braking
  • Cornering (sharp turns)
  • Phone distraction
  • Mileage (in some states)
Every 6-month renewal (first 90 days counted for initial discount)
GEICO DriveEasy 25% 10%
  • Braking and acceleration
  • Smoothness (consistent speeds)
  • Phone distraction
  • Cornering (sharp turns)
  • Other trip factors (including time of day)
Each policy renewal (usually 6 months)
USAA SafePilot 30% 10%
  • Braking
  • Annualized hours driven
  • Phone distraction (including hands-free calling)
325 miles/16 hours, then each policy renewal
Nationwide SmartRide 40% 10%
  • Miles driven
  • Braking
  • Acceleration
  • Nighttime driving
80 days
Liberty Mutual RightTrack 30% 10%
  • Braking
  • Speed
  • Acceleration
  • Nighttime and rush hour driving
  • Phone distraction
90 days
Progressive Snapshot $94 on average, according to Progressive4 $231 average
  • Braking and acceleration
  • Nighttime driving
  • Overall time on the road
  • Phone distraction
Usually after 6 months

* If you receive a discount for low annual mileage but end up driving over 7,500 miles in one year, your rates may increase.

Alternatives to Allstate Drivewise

If you’re unsure about enrolling in Drivewise, you can still save money on your policy. Aside from the Drivewise program, Allstate offers other discount opportunities that can lower the cost of your auto insurance:

  • Bundling: Bundle your auto insurance with homeowners or renters insurance to save on all policies.
  • New car: If you just bought a new vehicle, you can save money on your insurance for being its first owner.
  • Good student: Allstate awards discounts for students under the age of 25 who are unmarried and meet one of three requirements — having either an average grade of B- or higher or a GPA of 2.7 or higher, completing the teenSMART driver education program, or attending school at least 100 miles away from home.
  • Car features: Get a discount for having either antilock brakes or an antitheft device to prevent auto theft.
  • Payment: You can also save by setting up automatic payments, going paperless, paying your policy in full, and paying your policy on time for the past year.
  • Early signing: If you sign up for your policy a week or more before it becomes effective, you’ll get a discount.

Additionally, if you drive infrequently or have a car on your policy you rarely drive, you might benefit from Allstate Milewise, one of the best pay-per-mile insurance programs on the market.

The Bottom Line: Is Allstate Drivewise Worth It?

In many cases, I’d say it’s worth enrolling in Drivewise. The 10 percent enrollment discount alone could save you hundreds of dollars on your policy, which was the case for my quote. And depending on your driving, you’ll likely save even more than that at your next renewal. With car insurance growing increasingly expensive, it’s worth taking advantage of any discount you can find.

Additionally, I have found that tracking my driving for a discount has helped me develop greater awareness around my habits behind the wheel. While I considered myself a safe driver to start, I’ve become even more mindful about accelerating, hard braking, and speeding. And for families with teen drivers — the riskiest age group — Drivewise is a piece of technology that can help teens drive safely.

That said, there are also a couple reasons I might pause before enrolling in Drivewise. The biggest one is that I live in a state where Drivewise can actually raise my premium. Before signing up, ask your agent whether this is the case in your state. I would also ask about the maximum savings you can earn with Drivewise. In some states, this number will be well below the advertised 40 percent.

In summary:

Drivewise Is Best For You If You:

  • Tend to drive safely, avoiding hard braking, speeding, and using your phone while driving

  • Are looking to maximize discounts on your policy

  • Live in a state where Allstate won’t raise your premium regardless of your driving score

  • Pay higher rates because a prior incident like an at-fault accident, speeding ticket, or DUI is impacting your insurance, and you’re searching for ways to lower your bill

  • Have teen drivers on your policy and are looking for savings

Drivewise Is Not Best for You If You:

  • Mostly drive late at night (after 11 p.m.)

  • Frequently drive on highways with high speed limits (for example, in Nevada, the speed limit on rural highways is often 80 mph)5

  • Don’t want Allstate to track your data

  • Live in California, Arkansas, or Alaska

Why You Can Trust Our Reviews

We use the following methodology to evaluate usage-based insurance discount programs like Allstate Drivewise.

Tracked Behaviors and Data

We examine what data the program uses to determine discounts. Typically, programs track braking, acceleration, speed, cornering, miles driven, phone use while driving, and the time of day you’re driving. We prefer programs that detect trips automatically. Crash detection is an extra feature we appreciate, but it’s 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. We also take into account whether the discount varies by location, and by how much.

Telematics Technology

Whether the program operates through a mobile app, a plug-in or Bluetooth device, or a combination of the two is a personal preference. While mobile apps are more straightforward than plug-in devices, they may drain your phone battery and are more likely to mistakenly track trips where you’re a passenger, like rideshare or taxi rides. (For this reason, I tend to prefer plug-in or Bluetooth devices). If the program uses an app, we check its ratings on Google Play and the Apple App Store.


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 premium 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.

Drivewise Frequently Asked Questions

Can you turn off Drivewise?

Yes, you can turn off Drivewise by following these steps:

  1. Open the Allstate app.
  2. Click “Profile.”
  3. Click “Settings.”
  4. Click “Drivewise.”
  5. Toggle Drivewise from “Active” to “Off” and accept the “Auto-Restart” option.

If you want to cancel use of the Allstate program permanently, contact your insurance agent or call (800) 255-7828.

How long do I have to use the Drivewise app?

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 do I opt out of Allstate Drivewise?

  1. Contact your insurance agent and tell them to cancel your Drivewise registration.
  2. Or call (800) 255-7828 to have an Allstate representative cancel your participation in this usage-based program.

How do I install Allstate Drivewise?

  1. Download the Allstate iOS or Android app, depending on your mobile device.
  2. Accept the Terms of Service.
  3. Create an account or log in to your existing Allstate account.
  4. Click “Drivewise.”
  5. Accept all permissions.
  6. Enroll yourself and other applicable drivers in the program — ideally, all of the drivers on your insurance policy. They will then need to download the app and use the activation code sent to their email for the data collection to begin.


  1. Fatal Crashes and Crash Rates by Month – State : USA, Year : 2021. National Highway Traffic Safety Administration. (2021).

  2. How much mobile data does Google Maps use (and can it use less)? Mint Mobile. (2022, Mar 22).

  3. Allstate online privacy statement. Allstate. (2024, Apr 8).

  4. Get Snapshot from Progressive. Progressive. (2024).

  5. Maximum posted speed limits. IIHS HLDI. (2024).