Allstate Drivewise is an above average usage-based insurance program, since it can save drivers up to 40% and never increases a customer’s premium. Overall, Allstate Drivewise is rated 4.5 out of 5 stars by WalletHub editors, based on factors like possible savings and customer reviews.
Key Things to Know About Drivewise from Allstate
- Initial discount of 10%
- Possible savings of 40%
- Will not increase premiums for bad driving
- Customer reviews of the app average 4.0 out of 5
What Is Allstate Drivewise?
Allstate Drivewise is a usage-based insurance program that monitors a policyholder’s driving habits in order to adjust their premium. Customers who sign up for Drivewise can save up to 40%, including an initial discount of 10%. Allstate Drivewise never increases premiums for bad driving, so policyholders will never be penalized for trying the program.
Usage-based insurance programs rely on telematics, which is a technology that uses wireless devices to transmit data. Most major insurance companies have introduced telematics programs as a way to give good drivers a discount, since safe drivers are less likely to get into an accident or file a claim.
Additionally, safe drivers can earn rewards points using the Drivewise app. Rewards points can be earned for completing safe driving challenges, such as having three consecutive days without hard braking or 10 total trips without speeding. Points can be redeemed for things like discounted products, gift cards, and sweepstakes.
What Allstate Drivewise Monitors
- The time of day that you drive
Drivewise from Allstate tracks these behaviors using the Allstate Mobile smartphone app. The app is available for iPhones and Androids from both the Google and Apple app stores. Policyholders can also download it by texting "ALLSTATE APP" to 25788.
Aside from sending information on your driving behavior to the company, the Allstate Mobile app includes features such as crash detection, personalized driving feedback after every trip, and a dashboard that shows your estimated discount. The app automatically detects rides as long as the phone's location services are on and a vehicle travels at least 15 mph. It’s also worth noting that the app’s reviews are positive overall.
Is Allstate Drivewise Worth It?
Yes, Allstate Drivewise is worth it for safe, careful drivers who do not mind being monitored for insurance purposes in return for savings of up to 40%. On the other hand, drivers who frequently drive at night or in heavy traffic are less likely to benefit, as are careless drivers. Since Allstate won’t ever raise your rates for using Drivewise, it’s worth trying the program if you’re comfortable with the company’s data and privacy policies.
Keep in mind that your definition of safe driving might differ from Allstate’s. Make sure you know what habits Drivewise monitors, and see how they match up with your individual circumstances. For example, if you work the late shift, Allstate will count your frequent nighttime driving against you.
If you decide that Allstate Drivewise is worth it for your particular circumstances, you can enroll by calling your agent or the Drivewise line at 877-431-7670. You can also contact Allstate customer service at 1-800-676-5456 if you’re unsure whether Drivewise is available in your state.
Allstate Drivewise vs. Popular Competitors
|Insurer||Potential Savings||Customer Reviews of the App||Can Increase Premiums?|
|Allstate Drivewise||Up to 25% rebate||4.0||Will not increase premiums for bad driving|
|Liberty Mutual RightTrack||Up to 30%||4.2||Will not increase premiums for bad driving|
|Progressive Snapshot||$146 on average||4.3||Will increase premiums for bad driving|
|State Farm Safe and Save||Up to 50%||4.4||Will not increase premiums for bad driving|
Video: Allstate Drivewise Review
Methodology for Reviewing Allstate Drivewise
WalletHub editors evaluated Allstate Drivewise in the following categories:
- Initial savings
- Maximum possible savings
- Average of Google and Apple app ratings
- Whether the program can increase a driver’s premium
- Overall WalletHub editor rating for the entire company
- Ease of accessing privacy and data disclosures
Information was gathered from the company’s website and from customer service representatives. Each factor was weighted equally in order to calculate the program’s final score.