Allstate Drivewise: Complete Guide & Review (2024)
Drivers who enroll in Allstate Drivewise, part of the Allstate mobile app, can significantly reduce Allstate's $166 monthly average cost of full coverage insurance by up to 40% through discounts on rates and cashback. Our Allstate Drivewise review details the pros and cons of the usage-based insurance program, how it works, and how it's rated.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
Licensed Insurance Agent
UPDATED: Jun 4, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance 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.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jun 4, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance 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.
On This Page
- Drivewise is Allstate’s usage-based insurance plan that helps safe drivers save on their car insurance
- Anyone who signs up gets an automatic 10% discount, and an additional 30% is available for safe drivers
- While you need Allstate insurance to get a discount, you can sign up for the Drivewise rewards program no matter what insurance you have
Our Allstate Drivewise review found that Allstate Drivewise can save drivers up to 40% off their policy. Drivewise tracks your driving behaviors to determine how large a discount you’ll earn. Everyone is eligible for 10% savings when they sign up, and safe drivers can save up to 40%.
This is a great discount, as Allstate is one of the more expensive companies. Drivewise’s usage-based car insurance will help people save on their coverage at Allstate.
Read on to explore Allstate Drivewise features, rewards, and how it tracks your driving habits.
Then enter your ZIP code into our free online quote tool to help you compare Allstate rates with other companies to find the best usage-based auto insurance for your needs.
Allstate Drivewise Explained
With so many Americans working from home or choosing public transportation, many drivers are looking for an alternative to standard insurance. Today, many of the best insurance companies offer usage-based programs to help low-mileage and safe drivers lower their rates.
Unlike Allstate’s Milewise program, Drivewise works through the Allstate app, which monitors your driving habits. People who sign up for Drivewise get an automatic 10% discount on their insurance. The safer you are while you drive, the greater your discount will be.
How much money do you save with Drivewise? Depending on your driving habits, you can save an additional 30%. Allstate guarantees that your rates won’t increase if your driving score isn’t very high.
Will Drivewise make your insurance go up? Does Allstate Drivewise penalize drivers? You’ll never be penalized for trying Drivewise.
Read more: Allstate Milewise Review
Allstate Drivewise Features
While most drivers sign up for the discount, Drivewise offers several other perks. Many people — especially parents or guardians with new teen drivers in the house — appreciate Drivewise’s behavior tracking.
People who practice safe driving habits can also earn cash back after 50 trips, which you can claim every six months. There are some restrictions. For example, North Carolina residents can only receive their cash-back reward as credit towards their policy.
The app has several options you can choose from to learn more about your driving, how much you’re saving, etc. This includes windows for:
- Crash Detection – connects you with help after the app detects that you’ve been in a crash
- Dashboard – allows you to review a summary of what you’ve saved by driving safely
- Driving Insights – provides insights and answers to your family’s driving questions and audibly alerts you when issues arise
- Gas Finder – helps locate nearby gas stations
- Good Hands Rescue – connects you with roadside assistance (Read our article What should you do if you have a tire blowout?)
- My Trips – lists your trips, allows you to review your driving habits, and provides feedback and ways to improve
- My Challenges – offers safe driving challenges you can enroll in to earn reward points
- Parking reminder – helps you never forget where you parked or feed a meter
- Phone Activity – tracks how often and for how long you’re using your phone while you’re behind the wheel
- QuickFoto Claim – enables you to submit photos when you need to file a claim (See more about how to file an insurance claim.)
A final Drivewise feature that many drivers enjoy is Allstate’s safe driving rewards. Drivewise drivers earn points for completing challenges, like having three consecutive trips without speeding. You can turn your points in for rewards like gift cards, discounts, and sweepstake entries.
Read on for details on some of the significant pros and cons of the Allstate Drivewise program and app.
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Pros and Cons of Allstate Drivewise
What are the pros and cons of Allstate Drivewise? Like other usage-based insurance programs, Allstate’s Drivewise program can help you save money on your car insurance.
Drivewise offers the following pros:
- An automatic 10% discount for signing up, with the chance for an additional 30% savings on your rates
- Other unique features and rewards that you can sign up for even if you don’t have Allstate car insurance
- Tracks driving behaviors to help drivers improve their skills
Although Drivewise can help you save money, it also has its disadvantages. If you decide to sign up for Drivewise, watch out for these Allstate Drivewise review complaints:
- Many drivers feel uneasy having an app track their driving
- Only eligible for drivers who put under 18,000 miles on their car per year
- Not available in every state
For Apple users, the app runs well and receives few complaints. It currently has a customer rating of 4.8 out of five stars in the App Store. However, for Android users, the app isn’t as successful. Customers currently give it an average of 3.5 out of five stars.
Allstate Drivewise complaints from users are mainly about the Allstate Drivewise app not working. Inability to log in, over-sensitivity of the tracking software, slow loading times, and inaccurate “phone usage while driving” data are other consistent complaints among the Allstate Drivewise app reviews.
All usage-based programs have pros and cons, but Allstate Drivewise reviews are generally positive. Read on to explore more about Drivewise to decide if it’s right for you. Also see our expert tips on how to lower your car insurance.
How Allstate Drivewise Works
Drivewise by Allstate is a usage-based insurance program that tracks a variety of driving behaviors and trip data. Drivewise and Allstate car insurance policies are separate products, so you can use Drivewise to earn rewards even if you don’t have Allstate insurance.
You’ll need the Allstate Drivewise app when you agree to use it (read our Allstate Drivewise mobile app review for more information). The app collects data on your driving habits, including:
- Fast accelerations and speeding
- Hard braking
- The length of time you drive over 80 MPH
- The time of day you drive
The Drivewise app runs in your phone’s background and doesn’t require much power, so you’ll be able to use your phone as you normally would. You must always share your location with the app, or it won’t work.
At the end of every trip, Drivewise generates a report about your driving and tallies how many points you earned.
You may ask yourself, “How does Allstate Drivewise know I’m driving?” Allstate Drivewise assumes you’re driving because the program works by monitoring your phone’s GPS. But the situation could arise in which you’re in the vehicle but you’re not driving. But if a trip is detected in which you aren’t the driver, you can delete the trip using the Allstate mobile app.
Read more: Troubleshooting Why Your Allstate App is Not Working
Drivers Who Should Use Allstate Drivewise
Since Drivewise doesn’t penalize drivers, anyone comfortable being tracked should feel free to try it. Unlike many other telemetric programs, your rates won’t increase, and you won’t lose your rewards if your driving habits get low scores.
The drivers who get the most from Drivewise practice safe driving habits, mainly travel during the day, and don’t put too many miles on their car. It’s also a solid educational tool for teens, pointing out areas where young drivers can improve.
Read more: Best Auto Insurance for Young Adults
How Allstate Drivewise Affects Car Insurance Rates
While the extra features and rewards are a nice bonus, people sign up for Drivewise mainly to get cheap car insurance. When it comes to savings, is Drivewise worth it?
The average Allstate policy costs $166 a month, although you might see many different rates based on your unique factors. Learn more in our Allstate Auto Insurance Review & Complaints.
The table below shows rates for the top insurance companies with full coverage car insurance compared to minimum car insurance requirements coverage.
The amount you could save with Allstate Drivewise also depends on your state. Take a look at the table below to see how rates fluctuate based on where you live.
With Drivewise, Delaware drivers can save nearly $200 yearly on the best Delaware car insurance. Californians, on the other hand, will probably see negligible savings.
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How To Enroll in Allstate Drivewise
Enrolling in Drivewise from Allstate is simple. To start, you should download the Allstate app and create an account. You don’t need Allstate car insurance to use Drivewise, though you’ll only be eligible for rewards if you aren’t an Allstate policyholder.
Once you have the Allstate app, you can request to join the Drivewise program. Once you’ve signed in and set everything up, your next step is to take a trip.
Drivewise recognizes a trip anytime you move your car more than 15 MPH. After you take 50 trips with Drivewise, you’ll be eligible to earn points and claim rewards.
Allstate Drivewise vs. Its Competitors
The potential savings of 40% on your insurance and the unique rewards system make Drivewise an appealing usage-based program. However, Allstate is far from the only telemetrics-based discount out there. There are a range of factors used to calculate car insurance discounts, and various programs define them differently.
Most major companies offer usage-based insurance if you’re interested in being rewarded for your safe driving.
Insurance Company | Program Name | Discount Percentage |
---|---|---|
AAA | AAA Drive | 25% |
Allstate | Drivewise | 40% |
Amica | StreetSmart | 20% |
Erie | YourTurn | $10 every 2 weeks |
Farmers | Signal | 15% |
Geico | DriveEasy | 25% |
Liberty Mutual | RightTrack | 30% |
Mapfre | SmartMotion | 20% |
Metromile | Metromile | 47% |
National General | DynamicDrive | 25% |
Nationwide | SmartRide | 40% |
Progressive | Snapshot | 30% |
Root Insurance | Root Insurance | 30% |
Safeco | RightTrack | 30% |
State Farm | Drive Safe & Save | 30% |
StateAuto | Safety 360 | 10% |
The Hartford | TrueLane | 25% |
Travelers | IntelliDrive | 20% |
USAA | SafePilot | 30% |
As you can see, Allstate offers one of the largest discounts for safe drivers. Unlike its competitors, you don’t have to have Allstate insurance to take advantage of Drivewise rewards. However, if your insurance is with another company, you’ll probably be better served by choosing the same telemetrics program.
Allstate Drivewise Review: The Bottom Line
Our Allstate Drivewise review has shown that Drivewise is a great usage-based program that can help you see significant car insurance discounts if you’re a safe driver. You’ll also gain access to a unique rewards program, where you can earn gift cards, special discounts, and other offers specific to your location.
Another way to get a Drivewise reward? Go three consecutive days with no hard braking or high speeds.
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While Drivewise isn’t for everyone — especially drivers who don’t want to be tracked — it can help cut your insurance rates. However, Allstate has a reputation for higher prices. To find the best insurance rates and usage-based programs, compare as many companies as possible. enter your ZIP code into our free quote comparison tool to start shopping around today.
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Frequently Asked Questions
What is Allstate Drivewise?
Allstate Drivewise is a usage-based insurance program offered by Allstate Insurance Company. It uses a mobile app or a plug-in device to track your driving behavior and reward safe driving habits with discounts on your insurance premiums.
How does Allstate Drivewise work?
Allstate Drivewise works by using the Allstate mobile app or a plug-in device to track your driving behavior, including speed, acceleration, braking, and time of day. It then calculates a personalized driving score based on your behavior, which can earn you discounts on your insurance premiums.
Will the Allstate Drivewise app drain your phone battery?
How Allstate Drivewise affects your phone battery through the Allstate mobile app will depend on your phone, its settings, and other individual factors. However, your phone’s battery will probably drain faster when the app is on and enabled than when it’s not because it is connected to your GPS for tracking.
Can I use Drivewise on other devices?
You can, but this can be complicated because of the rules surrounding how many devices can have active versions of the app at the same time.
If you enable Drivewise on your phone and then switch to your tablet, the phone version will be deactivated because the app only allows you to have an active version of Drivewise on one device at a time.
Will my driving data be shared with Allstate?
Yes, Allstate Drivewise Mobile App collects data about your driving habits and shares that information with Allstate. This data is used to calculate potential discounts on your auto insurance premium.
What kind of discounts can I earn with Allstate Drivewise?
With Allstate Drivewise, you can earn discounts of up to 40% on your insurance premiums, depending on your driving score. The program also offers a sign-up bonus of 10% off your first six months of premiums.
Is Allstate Drivewise free?
Yes, Allstate Drivewise is free to sign up for and use. However, you must have a policy with Allstate Auto Insurance to participate in the program.
Do I have to use the Allstate Drivewise mobile app?
No, you can choose to use either the Allstate Drivewise mobile app or a plug-in device to track your driving behavior.
Does Allstate Drivewise penalize you for speeding?
No, if you score poorly for speeding you will not be penalized.
Can Allstate Drivewise raise your rates if you have poor driving behavior?
No, Allstate Drivewise will not raise your rates based on your driving behavior. However, your driving score may affect your eligibility for future discounts.
But if you do have poor driving behavior, you are still with the right company: Allstate is a best car insurance company for high-risk drivers.
Can I opt out of Allstate Drivewise?
Yes, you can opt out of Allstate Drivewise at any time by contacting your Allstate agent or customer service representative.
If you’re still looking to save on car insurance, one great way to do it is to comparison shop. Enter your ZIP code into our free comparison tool to receive quotes from multiple top-rated companies.
Is Allstate Drivewise available in all states?
Allstate Drivewise is available in most states, but availability may vary depending on state regulations. Contact your Allstate agent to find out if the program is available in your state.
Is there the capability for Allstate Drivewise multiple drivers?
Yes, all drivers on your policy can use Allstate Drivewise to track their driving behavior and earn discounts on their insurance premiums.
Is my driving data secure with Allstate Drivewise?
Yes, Allstate takes the security and privacy of your driving data very seriously. Your data is protected by industry-standard security measures and is only used to calculate your driving score and determine your eligibility for discounts. Allstate will not share your driving data with third parties without your consent.
Does Allstate Drivewise track miles?
Yes, Drivewise tracks miles.
What are the disadvantages of Drivewise?
The amount of savings is lower for a frequent driver than if you do limited driving or work from home. Also, if you have concerns about data privacy, you may not like the fact that Allstate agents and customer service representatives can see the driver data gathered by Drivewise.
Is the Drivewise app worth it?
Yes, the Allstate Drivewise app can save you money and can also make you a safer driver by providing immediate feedback on each drive. This helps you pinpoint risky driving habits to improve.
If you don’t feel the Allstate Drivewise app is right for you, there are other ways to save money on your car insurance. See our article on car insurance discounts.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.