User-based insurance programs are all the rage. The Allstate Drivewise program uses telematics technology to monitor your driving behavior and rewards good drivers with cash back and other rewards. Drivewise enrollment is free and you do not need to install equipment to your automobile.
If you already have an Allstate auto policy and think you deserve lower rates, Drivewise could help you earn rewards for safe driving. And for you car owners who do not have an Allstate policy, Drivewise could offer something for you, too.
How Allstate Drivewise works and where it’s available
The Drivewise discount program works through a mobile app, available for Android and Apple devices. After enrolling in the free program, the app tracks your driving habits every time your vehicle’s speed reaches 20 mph. The app runs in the background and tracks trip data even when closed. After collecting driving data during your first 50 trips, it calculates your cash reward and applies the savings when you renew your policy.
The app tracks drivers, not specific vehicles. Allstate claims the Drivewise app can distinguish when you are behind the wheel or a passenger. However, the app allows you to delete trips when it fails to make the proper distinction.
The Drivewise app’s Dashboard displays trip information and your cash rewards bonus. The My Trips screen displays up to 50 trips and the My Rewards screen displays your rewards points balance and links to special rewards deals. The app analyzes your driving habits, offers tips for safer operation and alerts you when it detects unsafe driving behavior.
Drivewise also creates driving challenges, which you can complete to earn more rewards points. For example, you can earn 200 points when you avoid hard braking for three consecutive days and another 200 points for maintaining a safe speed for three consecutive days.
The Drivewise app includes handy features that can help you keep track of where you parked your car or remind you when you need to feed a parking meter. It also connects to Allstate’s Good Hands Rescue program for roadside assistance services and includes a Gas Finder function, which displays the locations of nearby gas stations. The app stores a digital proof of insurance and details of your coverage, as well as the QuickFoto Claim screen, which uses your smartphone’s camera to take photos when filing a claim.
To enroll in most usage-based insurance discount programs, you must be an Allstate policyholder. However, non-customers can also use the Drivewise app to track their driving habits. The Drivewise program is not available in all states. Rewards vary according to state laws. Contact a local Allstate agent to find out if Drivewise is available in your state.
Does Allstate Drivewise actually decrease rates?
Allstate advertises up to a 3% insurance discount just for signing up for the Drivewise program, up to 15% cash back for driving safely, plus rewards points. According to The Zebra, a private organization that researches the insurance industry, Allstate customers pay an average six-month car insurance premium of $692 and Drivewise users pay $498-$602.
Rewards points and discounts can vary by state. For example, the rewards points program is not available in New York state. Where allowed by law, Allstate users can redeem rewards points for:
- Car rentals
- Gift cards
- Hotel rooms
- Magazine subscriptions
- Sweepstakes entries
What driving habits does Allstate Drivewise monitor?
The Drivewise app monitors your speed, time of day you drive and your braking. To receive the best rewards, you must avoid driving over 80 mph, minimize hard braking and avoid late-night driving, when more road accidents occur.
Allstate retains Drivewise data indefinitely and makes the data collected viewable in each user’s online account. The company also reserves the right to use Drivewise data to improve its pricing and underwriting schemes and when investigating accident claims.
Only Drivewise users can access trip map data within the app. Allstate employees who service policies do not have access to any location data collected by the app. However, Allstate agents can access the Drivewise data used to evaluate driving habits. The Drivewise app collects certain data, such as usage and performance for analytics purposes. The app accesses the location services function of your smartphone and transmits the data to the Allstate servers. Allstate retains location information until you delete the app from your mobile device.
Allstate does not sell policyholders’ personal information and only shares customer information with its affiliate companies. According to Allstate’s privacy statement, your information may be shared with third parties:
- For marketing purposes
- To service your policy
- To handle claims
- For fraud prevention purposes
- To comply with insurance regulator or law enforcement requests
- For credit and debit card processing
- For research studies
- To assist in auto repairs following a claim
How does Allstate prevent users from “cheating”?
Who is the Allstate Drivewise app a good option for?
Drivewise is a great option for people who maintain the proper speed limit, drive mostly during daylight hours and routinely practice good braking habits. Existing policyholders can receive a discount just for enrolling in the program, with the potential for further cash rewards following the monitoring period.
Parents can enroll their teen drivers in the Drivewise program and monitor the trip data to see how well their kids perform behind the wheel. Teens can receive instant alerts when Drivewise detects dangerous driving behavior and see tips to help them master their driving skills.
How do you save with Allstate Drivewise?
Allstate awards cash rewards and rewards points to Drivewise users who drive safely. You receive cash rewards when you renew your policy, bu rewards points appear in your balance within a day or two of completing a driving challenge.
Bottom Line: Is it worth it?
For existing Allstate customers, Drivewise offers the benefit of potential savings, with no risk. Usage-based programs with other insurance companies such as Progressive and Root decrease and increase rates based on telematics data. But Allstate’s Drivewise program only offers rewards to good drivers, without the threat of increased rates for poor driving performance. Drivers who do not have an Allstate policy can use the Drivewise app to monitor their driving skills and see if good performance might offer them a savings if they switch to Allstate.
Enrollment in Drivewise is free and you can cancel at any time. With the potential to earn cash back and rewards point, Drivewise is worth a try.