D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Aug 26, 2021

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Just the Basics

  • Allstate Drivewise is a usage-based auto insurance program
  • Drivewise measures behaviors and rewards you for safe driving
  • Drivewise comes as an app or an installed device

Drivers that take particular care to stay safe on the road — or who are policyholders with Allstate — could save money with Drivewise. Allstate Drivewise is a usage-based insurance program that rewards good drivers.

Drivers don’t always understand the connection between their habits behind the wheel and their annual insurance costs. Car insurance guides like this one are made to answer your driving questions. Keep reading to learn more about the usage-based Allstate app.

To compare Allstate Drivewise car insurance rates with other programs, use our free tool. Enter your ZIP code to get started.

What is Allstate Drivewise?

Drivewise is a program that monitors driving habits through an app on your phone or a plug-in device.

But, how does Allstate Drivewise work? During a twelve-month (or six months for the first policy renewal) term, your driving is monitored and a score is calculated to determine a discount on your policy. The score is called your Performance Rating.

The algorithm then generates an updated Allstate Drivewise car insurance quote for your next policy term. Habits that can improve your rating discount are:

  • Driving under 80 mph
  • Minimal abrupt or harsh stopping
  • Limited late-night driving
  • Keeping your annual mileage under 18,000 miles

The app and the device are always running. So, when it detects driving, Drivewise instantly starts collecting information based on the movement of the phone/plug-in device. This technology is called telematics.

Drivers can see in real-time what behaviors affect their rating, which means they can adapt safer driving practices to correct any bad habits. The Insurance Information Institute claims that usage-based programs that use telematics can significantly lower crash rates.

The goal behind programs like Drivewise is to include drivers more in their insurance costs. Understanding your policy is crucial if you’re looking to save money.

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What are the pros and cons of Allstate Drivewise?

The Allstate app is accessible, and anyone can download it to their smartphone. In fact, drivers don’t even need to have Allstate to use Drivewise.

Anyone who uses Drivewise is automatically enrolled for Allstate Rewards, which works like a point-and-reward system. Some of the earnings include gift cards and other related items.

Does Allstate Drivewise decrease rates? Yes. If you are an Allstate member, Drivewise will help lower your auto insurance rates.

Check out the table below to see how affordable Allstate Drivewise auto insurance rates are compared to other telematics programs. (You can also dive into this guide for more information about car insurance with telematics.)

Telematics Programs and Discounts
Insurance ProviderTelematics ProgramPotential Savings
AAAAAADriveWhen you sign up, save up to 15%
Save up to 30% for safe driving
AllstateDrivewiseWhen you sign up, save up to 10%
Save up to 30% for safe driving every 6 months
American FamilyKnowYourDriveWhen you sign up, save 5%
Save up to 20% for safe driving
GeicoDriveEasyTrials began August 2019
Program savings unknown
Liberty MutualRightTrackGaurenteed savings at sign up
Save up to 30% for safe driving
Met LifeMy JourneyWhen you sign up, save up to 10%
Save up to 30% for safe driving
NationwideSmartRideWhen you sign up, save 10%
Save up to 40% for safe driving
ProgressiveSnapshotSavings at sign up avg: $26
Program avg savings: $145
State FarmDrive Safe & SaveWhen you sign up, save about 5%
Save up to 30% for safe driving
The HartfordTrueLaneWhen you sign up, save 5%
Save up to 25% per vehicle for safe driving
TravelersIntelliDrivePossible savings at sign up
Save up to 20% for safe driving
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Drivers should also keep in mind that Drivewise maximum savings are for the top safe drivers; average savings will vary.

How is my Drivewise information used?

Like with most apps, the Allstate Drivewise car insurance company collects user data. Allstate claims it won’t sell policyholder information but may share data for market and claims research.

Members can sign into their account for more information on Allstate MyBenefits, data usage, to file claims, and more.

Is Allstate Drivewise worth it?

When deciding on what car insurance company to go with, drivers must consider the amount of coverage they need and how much risk they pose to their policy. In the car insurance world, great risk does not reap great rewards.

Allstate Drivewise is a way for drivers to monitor their risk to lower their annual rates. Without Drivewise, average Allstate rates for six months are about $690 for full coverage. With the app, drivers can expect to pay anywhere between $500 and $600.

However, there are other usage-based programs and insurance companies that could be more affordable. Check out the chart below to compare basic car insurance rates from top companies and how driving record (another risk measurement) affects costs.

Average Annual Car Insurance Rates by Driving History
CompanyClean Record1 Accident1 DUI1 Speeding Violation
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
GEICO$2,145.96$3,192.77$4,875.87$2,645.43
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
USAA$1,933.68$2,516.24$3,506.03$2,193.25
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As you can see, Allstate isn’t the most affordable option. However, for exact annual car insurance rates, you need to speak with an agent directly.

Allstate Drivewise: The Bottom Line

The Allstate Drivewise program is an easy way for drivers to see how driving history impacts their rates in real time. The Allstate app, available as a plug-in device, can help drivers save up to 20% on car insurance policies.

Allstate is a trusted nationwide provider that has been in business since 1931 — it is sometimes called the “pioneer of insurance.” Allstate has several money-saving programs for policyholders to take advantage of each month.

If you aren’t yet ready to buy Allstate Drivewise auto insurance and want to search out other companies, enter your ZIP code to compare car insurance quotes in your area.