Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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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: May 19, 2021

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Key Takeaways

  • Many car insurance companies offer a driving device/app discount for safe driving
  • Driving habits such as speeding, hard braking and acceleration, and distracted driving are monitored by either a device or app
  • Some companies will raise your car insurance rates if you exhibit poor driving skills

Car insurance companies use telematics to monitor your driving habits and offer a driving device/app discount based on the results. Every company uses a different driving device or app and looks at specific factors that can affect your rates.

It’s easy to find affordable car insurance with a driving device/app discount if you shop around. Compare various companies to see who can offer you the best discounts with the cheapest coverage.

Enter your ZIP code now to compare car insurance quotes with a driving device/app discount from multiple companies for free.

How do you get a driving device/app discount?

Most car insurance companies use a driving device/app that evaluates driver’s habits and offers a discount based on that data. The goal is to encourage safe driving and draw attention to bad driving habits to reduce the risk of accidents and claims.

According to the Insurance Information Institute, driving devices and apps can actually make you a better driver since you will be paying close attention to your driving and get immediate feedback.

However, each company will use different car monitor equipment and evaluate different habits to calculate your discount.

For example, while some companies use an app that runs in the background on your phone, other companies will use an actual device that plugs into your car or attaches to your windshield.

The amount of the discount offered and how long it stays in place will also vary by company.

Some companies, like Nationwide, will offer you a discount for the life of your insurance policy after the initial observation period. Other companies monitor your driving each year to offer you a discount.

Keep in mind that some car insurance companies will actually raise your rates if your driving device/app shows you have poor driving skills.

The habits that are normally monitored include speed, hard braking and acceleration, miles driven, distracted driving, and time of day you drive.

If you are confident in your driving skills, it might be worth it for you to try for a driving device/app discount.

However, if you don’t have those safe driving skills, wrack up a lot of miles, or drive during peak times, you may not see much of a discount.

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What companies offer a discount for using a driving device or app?

Telematics is very common now, and most car insurance companies offer driving device/app discounts, such as Nationwide Smartride, Allstate Drivewise, or GEICO DriveEasy. However, every company will go about it differently.

This table shows which car insurance companies offer driving deals for using a driving device or app. If the amount of the discount is known, it is listed.

Driving Device/App Car Insurance Discount Available By Company
CompanyDriving Device/App Discount Available
21st CenturyX
American FamilyX
Liberty Mutual30%
State FarmX
The HartfordX
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Each company will offer a different discount amount and have various requirements that have to be met to receive a discount. Also, many times these car insurance discounts are combined with a safe driver discount to offer you the most savings.

Driving Device/App Discount: The Bottom Line

Car insurance with a driving device/app discount is available from most insurance providers, but do your homework before enrolling. Not all companies offer the same discount and some will actually raise your rates based on your driving behaviors.

Before you buy car insurance with a driving device/app discount, shop around to see who can offer you the best rates based on your specific driving.

Enter your ZIP code to compare car insurance rates with a driving device/app discount for free today.