Allstate Drivewise Car Insurance Review (2024)

Drivewise by Allstate Car Insurance Company is a free usage-based insurance (UBI) program. In this Allstate Drivewise car insurance review, learn how to save up to 40% on your annual car insurance policy.

Below, we’ll cover how to enroll and use the Allstate Drivewise app and what driving factors it monitors to help you determine if this UBI program is right for you.

After reading about Allstate Drivewise car insurance quotes, compare rates from the top companies near you by entering your ZIP code into our free tool above.

What is Allstate Drivewise car insurance?

Drivewise by Allstate is a usage-based car insurance program that tracks your driving behaviors and rewards you with a discount based on your performance.

UBI programs typically rely on a mobile app or plug-in device to gather your driving data.

Drivewise primarily uses a mobile app compatible with iOS 13.0 and Android 8.0 or higher. However, a plug-in device is also available in some states.

You can save up to 40% on your car insurance quotes with affordable Allstate Drivewise car insurance rates.

You can also earn Allstate Reward points through Drivewise.

The points may be used to redeem gift cards, daily deals, sweepstakes, and more. Plus, there are more ways to earn Allstate Rewards besides using Drivewise.

You can monitor your trips and potential reward in real-time directly in the Allstate mobile app.

Fortunately, your rates never increase based on your performance during the Drivewise program.

To buy Allstate Drivewise car insurance, download the Allstate mobile app and activate Drivewise. Your Allstate Drivewise login is technically the same as your general Allstate app information.

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Benefits of Allstate Drivewise car insurance

Every six months of participation, you earn cashback for your safe driving.

Plus, on the website, Allstate says it also rewards you with initial savings just for enrolling in the program.

The amount varies by state, but typically it’s a 10% rate reduction.

The Allstate app also provides you with a free crash detection service. If the app detects you’ve been in an accident as a driver or passenger, it sends you a notification for verification.

You can select to call 911, but there are also links for 24-hour roadside assistance and to file a claim.

While this feature is available to any Allstate app users, Drivewise participants also have access.

Finally, you can unenroll from Drivewise by calling the customer support number or contacting your local Allstate agent.

If you do so, you’ll lose any earned Drivewise discounts at your next policy renewal term.

What driving habits does Allstate Drivewise car insurance monitor?

According to the National Association of Insurance Commissioners (NAIC), the original UBI programs only tracked your total number of miles driven.

But today, mobile apps can evaluate your hard-braking events, speed, and even accurately detect if you’re a driver or passenger in a vehicle.

Allstate Drivewise rewards users with what is referred to as performance cash rewards at your first policy renewal term after enrolling in Drivewise. (For more information, read our “Allstate Drivewise App: A Complete Review“).

Afterward, the rewards are calculated based on 12 months of rolling data. So your discount could fluctuate the longer you use Drivewise.

The following driving behaviors impact your total performance cash reward:

• Speed (not exceeding 80 mph)
• Braking (minimal hard braking events)
• Time of day when driving (minimal night-time driving)

If you opt for the plug-in device, the total miles driven also counts towards your performance reward.

You must drive less than 18,000 miles annually to earn the highest discount.

You can also see your phone activity in the Allstate app, including details about when you use your phone behind the wheel and how often.

However, that information is currently not used to calculate your Drivewise discount reward. Instead, it’s there to help you make safer choices.

Is Allstate Drivewise worth it?

If you’re already an Allstate customer and you don’t often drive late at night or on speedy highways, it may be worth trying the Drivewise UBI program.

Your rates never increase as a result of participation, it’s free to try, and you can opt out at any time with little to no risks.

Plus, unlike many other UBI programs offered by the top providers, your phone usage while driving is not counted against you.

So you can use the navigation system or change your music without damaging your discount amount.

For those concerned with privacy, Allstate does provide a privacy policy abiding by federal and state laws and claims not to sell your information.

However, the company may share it with affiliates for research purposes.

This is very common for usage-based insurance. So if sharing your data makes you uncomfortable, UBI programs, in general, may not be the right fit for you.

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Allstate Drivewise Car Insurance Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Allstate Drivewise car insurance offers a straightforward claims process for its customers. Whether you need to file a claim for an accident or any other covered incident, you have multiple convenient options. You can file a claim online through their website or mobile app, providing a hassle-free digital experience.

Alternatively, if you prefer speaking to a representative, you can file a claim over the phone. The mobile app also serves as a useful tool for reporting claims and tracking their progress, making it easier for customers to manage their insurance needs digitally.

Average Claim Processing Time

While specific claim processing times can vary depending on the nature and complexity of the claim, Allstate Drivewise strives to provide efficient service. On average, customers can expect a reasonable processing time for their claims. The company understands the importance of quick resolution to minimize disruptions for policyholders.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on Allstate Drivewise’s claim resolutions and payouts has been generally positive. Many customers have expressed satisfaction with the company’s responsiveness and fairness in handling claims.

The Allstate Drivewise program aims to provide peace of mind to policyholders, and the positive feedback from customers is a testament to their commitment to customer satisfaction.

Allstate Drivewise Car Insurance Digital and Technological Features

Mobile App Features and Functionality

The Allstate Drivewise mobile app offers a range of features and functionalities that enhance the overall customer experience. Customers can easily enroll in the Drivewise program through the app and monitor their driving habits in real-time.

The app provides valuable insights into driving behavior, which can help users improve their safety on the road. Additionally, the app allows users to earn Allstate Reward points, which can be redeemed for various rewards, adding an extra layer of value for customers.

Online Account Management Capabilities

Managing your Allstate Drivewise car insurance policy is a breeze with their online account management capabilities. Customers can access their policy details, view payment history, and make policy changes through the online portal. This digital convenience empowers policyholders to take control of their insurance needs with ease, whether it’s updating personal information or reviewing coverage options.

Digital Tools and Resources

Allstate Drivewise offers a variety of digital tools and resources to assist policyholders in making informed decisions. These resources include educational materials on safe driving, tips for maximizing Drivewise rewards, and frequently asked questions about the program.

Customers can access these resources online, ensuring they have the information they need at their fingertips to make the most of their Allstate Drivewise experience.Overall, Allstate Drivewise combines user-friendly digital features with a seamless claims process to provide customers with a well-rounded and technologically advanced car insurance experience.

Allstate Drivewise Car Insurance Review: The Bottom Line

Overall, Drivewise from Allstate is a popular UBI program that helps most drivers easily earn a discount.

Allstate Drivewise reviews from real customers are also positive, as the program is risk-free and always leads to a rate reduction.

Today, most of the leading car insurance companies offer a UBI program to customers. So it’s worth comparing quotes from multiple providers and looking at the details of other usage-based insurances.

Now that you’re an Allstate Drivewise car insurance company expert, find the best coverage for you by entering your ZIP code into our free rate comparison tool below.

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