Allstate Drivewise Review (2024)
Allstate Drivewise uses an app to monitor driving habits such as speeding and hard braking and offers up to a 40% discount for safe driving. Many Drivewise Allstate reviews find that drivers get much smaller discounts, but rates don't go up for bad driving. Scroll through this Allstate Drivewise review to see how much you can save.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Sep 12, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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If you’re an Allstate customer, consider participating in Drivewise to lower rates. What is Drivewise through Allstate? It’s a telematics program that runs in the background on your phone, tracks your location, and uses your data and battery.
What does Drivewise monitor? Drivewise tracks your driving habits and offers a discount based on how safely you drive.
While Allstate advertises you can save up to 40% with Drivewise, most drivers see smaller discounts. However, you get an additional discount just for signing up and can receive rewards for safe driving.
Keep reading our Allstate Drivewise review to learn how it works, how to turn off Drivewise, and if it can save you money. Learn about Allstate’s coverage in our Allstate auto insurance review.
- Allstate Drivewise is a usage-based insurance program
- Drivers earn a 10% Allstate safe driving bonus for signing up
- Drivewise does not raise rates for bad driving habits
Pros and Cons of Allstate Drivewise
As with any telematics program, there are pros and cons to using Drivewise from Allstate. Here is a brief Drivewise Allstate review:
Allstate Drivewise: Pros and Cons
| Pros | Cons |
|---|---|
| 10% discount for enrolling | Data usage during drives |
| Up to 40% discount based on safe driving | Phone battery usage since the app runs continuously |
| Allstate Rewards for continued safe driving and meeting challenges | Discount changes every policy term |
| Immediate feedback to improve driving habits | Privacy concerns about recorded data |
| Parents or guardians can see the driving habits of their teen driver | Late-night driving results in a negative score |
| Rates won’t increase based on the Drivewise score | Drivewise isn’t available in all states, and discounts vary |
Allstate Drivewise app reviews are positive, including Drivewise Reddit reviews. The app received a 4/5 rating in the Google Play Store and a 4.8/5 rating in the Apple App Store. You can compare Allstate safe-driving app reviews and more in our guide to the best car insurance apps.
In general, the pros outweigh the cons when considering Drivewise. The biggest concern is privacy, but Allstate says your data is stored securely. Read our review to find out which auto insurance companies don’t sell info.
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What You Need to Know About Allstate Drivewise
What is Drivewise? Auto insurance companies know safe drivers cost them less money. So, many top insurance companies offer usage-based auto insurance, which provides discounts for participating in a telematics program that monitors driving behaviors.
Drivewise from Allstate offers drivers up to a 40% discount at renewal, plus another 10% discount for enrolling. However, most drivers won’t see the total discount unless everyone on their policy enrolls and scores highly.
Allstate Drivewise Review Summary
| Allstate Drivewise Summary | Data | From the Experts... |
|---|---|---|
| Usage-Based Insurance Programs | Programs to track driving habits have been around for a decade in the United States | National Association of Insurance Commissioners |
| Insurance Premiums | Accidents could raise rates over $1,000 annually | Quadrant Data |
| Drivewise Program | Tracks driving habits to offer discounts and improve driving | Allstate |
| Average Premium with Drivewise | $498-$602 | Quadrant Data |
| Eligibility for Drivewise | Any Allstate customer can get full program benefits and any non-customer can earn reward points | Allstate |
Allstate offers one of the most significant discounts for a telematics program. However, some other programs, such as Geico DriveEasy and Progressive Snapshot, consider phone usage when calculating your discount and can actually raise rates if you score poorly.
Does Drivewise save you money? Yes. The good news is that your Allstate auto insurance rates won’t increase if you score poorly, and you continually have an opportunity to improve your discount.
Drivers can also earn rewards for their safe driving. Safe driving earns points used for prizes, like merchandise and travel rewards. Your points are calculated based on 12 months of data.
Don’t worry if you don’t have Allstate insurance — you can still participate in the program to earn rewards, and it won’t impact your insurance rates with another company. Your location determines your discount and rewards. In addition, each state has its own rules for eligible rewards and discounts. For example, some states don’t allow cash back or rewards as credits.
Allstate Drivewise Insurance Discounts
How much does Drivewise save? Drivers can earn up to 40% off their Allstate car insurance. Though the discount amount varies by driver, you can continually work to improve it.
Usage-Based Auto Insurance Discounts by Provider & Savings Amount
| Insurance Company | Program Name | Device Type | Sign-up Discount | Savings Potential |
|---|---|---|---|---|
 | AAADrive | Mobile App | 15% | 30% |
 | Drivewise | Mobile App | 10% | 40% |
 | KnowYourDrive | Mobile App or Plug-in | 10% | 20% |
 | DriveEasy | Mobile App | 20% | 25% |
 | RightTrack | Mobile App or Plug-in | 5% | 30% |
 | Mile Auto | Neither | 20% | 40% |
 | SmartRide | Mobile App or Plug-in | 10% | 40% |
 | Snapshot | Mobile App or Plug-in | $25 | 20% |
 | Drive Safe & Save | Mobile App or Plug-in | 5% | 30% |
 | TrueLane | Plug-in | 5% | 25% |
 | IntelliDrive | Mobile App | 10% | 30% |
 | SafePilot | Mobile App | 5% | 20% |
Will Drivewise raise your rates? No, unlike other usage-based programs, Allstate never raises rates with Drivewise. You can also earn rewards for safe driving, such as merchandise, gift cards, and special offers.
Carefully compare rates and ratings when searching for auto insurance. You may need to learn how to get multiple auto insurance quotes first. While Allstate rates are high, your Drivewise discount may make them more manageable.
How Allstate Drivewise Insurance Works
So, how does Allstate Drivewise work? The Drivewise app runs continuously in the background on your smartphone. The app automatically records any trip over 15 miles per hour and can determine whether or not you’re driving.
What does Allstate Drivewise monitor? The specific behaviors Drivewise monitors include:
- Speed: Allstate Drivewise tracks speed limits. Driving over 80 miles per hour is risky, lowering your discount and safe driving rewards. Keep to lower speeds for safety and to get a higher discount.
- Time of day: The riskiest time for driving is late at night and very early in the morning. Drive between 4 a.m. and 11 p.m. to keep your discount high.
- Hard braking: Stopping suddenly shows you’re either an aggressive driver or don’t pay attention to traffic. Limit hard braking to avoid collisions and raise your discount.
If you’re wondering how to cheat Allstate Drivewise, it’s impossible. The app connects with your smartphone and tracks phone activity, including texting, phone calls, and other phone usage. With Drivewise, phone activity doesn’t affect discounts. but the app allows you to see how much you and other drivers on your policy use it while driving.
Allstate Drivewise: Savings and How it works
| Drivewise® - Potential Savings | How It Works |
|---|---|
| Enrollment: up to 10% | Powered by app or plug-in device |
| Safe driving: up to 30% with plug-in device; up to 25% with app | Tracks braking, safe speeds, mileage, and time of day |
Hopefully, drivers enrolled in Drivewise will be more aware of unsafe distracted driving. Drivewise is also a great way to monitor your young driver’s habits and encourage safer driving behavior. Auto insurance for teens is typically more expensive because of their inexperience.
Does Allstate Drivewise track your location? It does — it’s one of the most common Allstate Drivewise complaints.
If you’re uncomfortable sharing your location data and drive information, a telematics program like Drivewise isn’t for you. Although Allstate says the location data is stored securely and not everyone has access, there’s still a privacy concern, especially if you live in one of the worst states for DMV and DOT data breaches.
How does Drivewise know if you’re a passenger? Don’t worry if you’re not in the driver’s seat — Allstate lets you delete drives from the app if you’re a passenger. In addition, the app automatically detects if you’re on public transport or on an airplane. So, the trip won’t count against you if you’re not the driver.
More Drivewise Insurance Features
The Drivewise dashboard gives drivers insight into their driving habits, phone usage, and trip information. In addition to your estimated discount, the dashboard also offers challenges, such as three days with no hard braking or speeding, that allow you to earn rewards points.
Crash detection is one of the most useful tools offered through Drivewise. If Drivewise detects a crash at least 25 miles per hour, it sends a notification offering help. You can request roadside assistance, start a claim, call 911 through the app, or declare it a false alarm.
You can activate crash detection from the Drivewise portion of the Allstate app. Then, through settings, simply turn on the feature.
The Allstate safe-driving app also has many other features, such as a gas finder and parking reminder, so you can easily find gas stations and remember where your car is parked.
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How does Drivewise compare to competitors?
Allstate is one of many insurance companies that offer drivers discounts based on how they drive. However, few competitors offer a discount amount like Allstate’s and don’t penalize drivers if they score poorly.
Allstate Drivewise vs. Other Usage-Based Programs
| Program | What It Tracks | Discount | Can Premiums Go Up? |
|---|---|---|---|
| Allstate Drivewise | Speed Braking Time of day | Up to 40% | No |
| Geico DriveEasy | Distracted driving Braking Cornering Smoothness Distance Time of day Weather Road type | Varies by state, but often up to 25% | Yes, depending on the state |
| Liberty Mutual RightTrack® | Mileage Nighttime driving Braking Acceleration | Up to 30% | No |
| Nationwide SmartRide® | Mileage Braking Acceleration Nighttime driving | Up to 40% | No |
| Progressive Snapshot® | Braking Acceleration Late-night driving Time on the road Phone use | $156 per year on average, according to Progressive | Yes, depending on the state and enrollment date |
| State Farm Drive Safe & Save™ | Acceleration Braking Cornering Speeding Distracted driving | Up to 30% | Yes, depending on miles driven |
| USAA SafePilot® | Location Time of day Phone handling Braking Annualized hours driven | Up to 30% | No |
While Nationwide SmartRide and State Farm Drive Safe & Save offer similar discount amounts, other companies like Geico and Progressive raise rates if you score poorly. Along with Drivewise reviews, you can read more about how Allstate stacks up to other auto insurance companies that offer cash back for safe drivers.
Allstate Milewise vs. Drivewise
Allstate also offers a pay-per-mile auto insurance policy called Allstate Milewise. Like Drivewise, the Milewise app will track drivers, but only mileage. Learn more in our Allstate Milewise review.
Who should use Drivewise from Allstate?
If you’re an Allstate customer and wondering, “Should I sign up for Drivewise?” — the answer is yes.
Since there aren’t penalties for bad driving, Drivewise is a great fit for all drivers. No matter how you score, you’ll get the initial discount for signing up.
Drivers who don’t drive late at night, speed, or routinely hit the brakes hard see the highest savings. However, even if you struggle with any of these habits, Drivewise is still a good idea.
Drivewise is also a great fit for young drivers. You’ll be able to see any bad habits your young driver has and help correct them quickly.
Is Drivewise worth it? Since Allstate telematics gives immediate feedback on your drives, Drivewise can help you break bad habits and become a safer driver. As you become a better driver, you’ll avoid accidents and tickets, lowering your auto insurance rates.
If you want to earn safe driving discounts without being tracked by an app, you can sign up for an Allstate defensive driving course and save on auto insurance that way.
How to Sign Up for Drivewise from Allstate
It’s easy to enroll in Drivewise. First, download the Allstate app to your smartphone with at least Apple iOS 13.0 or Android 8.0. Once you accept the terms of service, you can either log into your account or create a new one.
Tap on the Drivewise icon to activate. Remember, you must enable all permissions, including location services. Once you’ve signed up for Allstate Drivewise, multiple drivers are allowed. You can enroll any other drivers on your policy at this time. If you have a teen driver, you should add your child to your auto insurance policy. Then, begin driving.
Other drivers on your policy must also download the app, create an account, and accept service. Once the permissions are enabled, the driver receives an activation code by email.
You must take at least one trip to activate your discount and at least 50 trips to participate in the rewards program.
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Bottom Line: Is Drivewise with Allstate worth it?
Is Drivewise from Allstate worth it? That depends on your driving habits. Drivewise from Allstate can save drivers up to 40% on their auto insurance rates based on safe driving skills. Drivers also get a 10% discount for enrolling in the program and can earn rewards for long-term safe driving.
Drivers who don’t have Allstate auto insurance can also enroll in Drivewise. Though you won’t earn an insurance discount, you can still earn rewards and see your driving feedback. Based on that, you may decide you need to take a defensive driving course.
What does Allstate Drivewise track? Allstate monitors your speed, hard braking, and the time of your drives to calculate your discount. If you score badly, your rates won’t increase. However, because of the continuous program, you can improve your discount at each policy renewal. Drivers who don’t drive late at night, brake hard, or speed see the most significant discount.
The Drivewise dashboard gives you immediate feedback on your driving performance, which helps you correct bad driving habits. It’s also a great way to ensure your teen drivers have the necessary, safe driving skills. Drivewise also offers crash detection, sending you a notification if it detects a crash at least 25 miles per hour. Then, you can file a claim from the app, request roadside assistance, or dial 911.
Does Drivewise penalize you? No, and since the program is free and your rates won’t increase, it makes sense to try it. Of course, you can also cancel the program whenever you want. And there’s no need to worry about the app since it runs in the background and records drives automatically. You can also delete drives if you are a passenger.
Frequently Asked Questions
How does Drivewise know who is driving?
Allstate says the app can tell if you’re the driver or passenger or using another form of transportation, such as a boat or plane. You can delete the drive without penalty if the app records you as the driver.
Can you cancel or turn off Drivewise?
You can turn off the Drivewise program through the app at any time. A sleep function allows you to turn off Drivewise for a certain period if you know you won’t be driving on a trip. Then, you can schedule the program to start back up when you choose.
Does Allstate Drivewise save money?
According to Allstate, you can save up to 40% on your auto insurance with Drivewise. However, your Allstate Drivewise max discount depends on how well you score on several driving behaviors. Since every driver is different, there’s no set discount amount to expect.
What does Drivewise track?
The Drivewise app monitors your speed, hard braking, and the time of day you drive. Drivers who speed over 80 miles per hour, hard brake often, or drive late at night won’t see much of a discount.
How does Drivewise work?
Allstate Drivewise utilizes a telematics device or a mobile app to track your driving habits. It collects data on factors such as speed, acceleration, braking, and the time of day you drive. Based on your driving performance, you may be eligible for discounts on your insurance premiums.
What is Allstate Drivewise?
Allstate Drivewise is a usage-based insurance program offered by Allstate Insurance. It allows drivers to potentially earn discounts on their auto insurance premiums based on their driving behavior.
How can I enroll in Allstate Drivewise?
To enroll in Allstate Drivewise, you need to be an Allstate policyholder. You can contact your local Allstate agent or visit the Allstate website to inquire about enrolling in the program. They will provide you with the necessary information and guide you through the enrollment process.
Do I need special equipment for Allstate Drivewise?
Allstate Drivewise can be accessed either through a small telematics Drivewise device that plugs into your vehicle’s OBD-II port or through the Allstate mobile app. The telematics device is typically provided by Allstate and can be easily installed in most vehicles. Alternatively, you can use the mobile app if it is compatible with your smartphone.
Is my driving data safe with Allstate Drivewise?
Allstate takes privacy and data security seriously. The company has measures in place to protect the privacy and security of your driving data. The data collected is used solely for the purpose of determining your eligibility for discounts and improving the accuracy of the program. Allstate does not share your personal driving data with third parties without your consent.
What kind of discounts can I earn with Allstate Drivewise?
By participating in Drivewise, you have the opportunity to earn discounts on your auto insurance premiums. The Allstate Drivewise discount amount depends on your driving habits and can vary from driver to driver. Generally, safer driving behaviors, such as maintaining lower speeds and avoiding hard braking, can lead to higher discounts and more Drivewise rewards.
When does Drivewise discount start?
You must drive 50 trips with the Allstate tracking app turned on. After your 50th trip, Allstate will calculate the discount amount and apply it to your policy.
Can Allstate Drivewise raise your rates?
No, your rates won’t go up, but poor driving habits will shrink your Allstate Drivewise discount.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.