Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Nov 15, 2021

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Key Takeaways

  • Drivewise by Allstate is a usage-based insurance program that monitors your driving habits and rewards you with a discount
  • You can save up to 40% on your car insurance with Allstate Drivewise
  • Allstate also offers free crash detection when you enroll in Drivewise as an additional safety benefit

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.

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 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.