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

UPDATED: Nov 19, 2021

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Key Takeaways

  • You can earn up to 20% off your car insurance rates with the American Family KnowYourDrive usage-based insurance program
  • You’ll get an initial 10% off your policy for enrolling in the program
  • Not all drivers on your policy need to participate for you to earn a discount

KnowYourDrive by American Family is a usage-based insurance program (UBI) offered free to customers. In this American Family KnowYourDrive car insurance review, discover how to save up to 20% on your car insurance rates.

Below, we’ll explore what driving habits the KnowYourDrive app monitors and how it impacts your car insurance quotes to help determine if this UBI program is right for you.

The American Family KnowYourDrive car insurance company is one of many UBI options on the market, so enter your ZIP code into our free comparison tool above to compare quotes from the best companies near you.

What is American Family KnowYourDrive car insurance?

KnowYourDrive by American Family Car Insurance Company is a usage-based insurance program offered free to American Family drivers.

UBI programs use a mobile app or plug-in device to track and evaluate your driving behaviors.

The affordable American Family KnowYourDrive car insurance program uses a mobile app that works with most Android or iOS operating systems.

Already an American Family customer? You can enroll in the program by accessing your American Family insurance login and downloading the app. New customers should call an agent to request signing up.

After downloading the app, you’ll earn an automatic 10% discount just for participating in the program.

After that, you can see your potential discount updates in real-time as you drive and log trips.

What driving habits does KnowYourDrive track?

You are scored based on acceleration, how far you drive, hard braking events, speed, time of day, and distracted driving.

Handheld phone calls while the vehicle is in motion are considered distracted driving incidents.

Technically, hands-free calls and listening to music or podcasts count as passive use but touching your screen to change your music or make a call counts as a distraction.

You’ll earn a 2% to 20% discount that applies to your policy at your next renewal period with American Family KnowYourDrive car insurance rates.

Fortunately, your rates will never increase as a result of your performance while using the program.

You also may be eligible to enroll in the Travel Peace of Mind package, which includes:

  • Accidental death and dismemberment benefits
  • Emergency roadside assistance
  • Road trip and rental accident reimbursement

Not all drivers on your policy need to participate for you to earn a substantial discount. Plus, you can opt out of the program at any time.

However, once you terminate the program, you’ll lose your discount at your next policy renewal date.

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Is KnowYourDrive from American Family worth it?

KnowYourDrive from American Family is free to use, doesn’t cause your rates to increase, and current users rate it highly.

At the very least, you’ll get a temporary 10% discount during the program’s enrollment period.

Plus, even if your driving record is imperfect, you’ll earn at least 2% of your rates. So for most people, it’s worth it to buy American Family KnowYourDrive car insurance.

The American Family KnowYourDrive app reviews are also strong. The Apple app has a 4.6-star rating, while the Google Play store app earned 4.3-stars.

Additionally, participating in KnowYourDrive may even qualify you for the Travel Peace of Mind package, an excellent benefit for many drivers.

But if privacy is a concern, American Family provides a privacy notice on the website abiding by state and federal laws.

What is American Family MilesMyWay?

American Family MilesMyWay is another insurance program offered to American Family customers for free.

However, it only gathers data about the total number of miles driven.

It was created as a COVID-19 response so customers could earn a discount for driving less often. People who drive less than 8,000 miles per year are eligible to enroll.

The less you drive each month, the more significant the discount you earn for that pay period, up to 25%.

According to the National Association of Insurance Commissioners (NAIC), UBI programs initially only used total miles driven to determine discounts. Today, UBI programs also monitor your brakes, speed, time of day, phone use, and more.

Programs like MileMyWay that only monitor the number of miles driven are now usually referred to as pay-per-mile or pay-as-you-go insurance.

American Family KnowYourDrive Car Insurance Review: The Bottom Line

If you’re an American Family customer, consider enrolling in the KnowYourDrive UBI program. There are little to no consequences for participating.

Get the cheapest car insurance rates by tracking your score in the app and always maintaining safe driving habits. The app even provides you with safety tips and driving advice.

However, it’s always worth comparing car insurance companies online and looking into other UBI programs to determine the cheapest company for you.

Now that you’ve compared American Family KnowYourDrive car insurance quotes, find the best coverage for you by entering your ZIP code into our free comparison tool below.