Find Your Perfect Policy: 866-843-5386

January 17, 2023

Allstate Drivewise Review

The most generous usage-based program discount on the market

Twitter brand
Facebook brand
Linkedin brand
Reddit brand
Envelop icon

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?

What Is Allstate Drivewise?

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.

How Allstate Drivewise Works

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

What Allstate Drivewise Monitors

The Allstate app will collect data on different behaviors and factors, including those listed below.

  • Braking: Limit sudden stops to get the highest auto insurance discount possible.
  • Crashes: If the app detects a crash, a notification will ask if you were in an accident. If you respond that you were, the app can help connect you to 911, get roadside assistance or begin a claim.
  • Location: You’ll need to have location data turned on to use the app, but keep in mind that only you can see your trip’s route map in the app, not the people servicing your policy, which includes agents and customer service representatives. But in contradiction, Allstate’s privacy statement says 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.2
  • Phone use while driving: Distracted driving is a pervasive problem throughout the United States. To get the lowest prices from Allstate, limit your phone use while driving.


If you live in Michigan, the Allstate app will not track your phone use while driving.

  • Speed: Stay under 80 miles per hour to maximize your savings.
  • Time of day: Avoid driving between 11 p.m. to 4 a.m. on weekdays and between 11 p.m. and 5 a.m. on weekends. According to 2020 data from the National Highway Traffic Safety Administration, nearly 20 percent of fatal crashes occur between midnight and 6 a.m.3

Is Allstate Drivewise Worth It?

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:

  • Anyone who wants to take advantage of a usage-based insurance discount program with the highest possible savings
  • Someone who doesn’t drive late at night typically
  • Safe drivers who avoid hard braking, speeding and distracted driving

Allstate Drivewise would not be good for:

  • Someone who lives in New York, where the program is not available
  • Anyone who drives late at night often
  • Someone who doesn’t want their location data to be tracked
  • A person who doesn’t want Allstate Insurance

How Allstate Drivewise Can Affect Your Insurance Rate

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.

How to Enroll

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.

Other Ways to Save on Insurance With Allstate

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.

Allstate Drivewise vs. the Competition

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.

Frequently Asked Questions

Can you turn Drivewise off?

Yes, you can turn Drivewise off 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. How much mobile data does Google Maps use (and can it use less)? Mint Mobile. (2022, Mar 22).

  2. Allstate online privacy statement. Allstate. (2023, Jan 6).

  3. FARS Encyclopedia: Crashes – Time. U.S Department of Transportation. (2020).