Allstate Drivewise Review

Allstate Drivewise does not know who is driving because it works by monitoring your phone's GPS, which could be in the vehicle even when you're not the driver. If a trip is detected where you aren't the driver, you can delete the trip using the Allstate mobile app, and that trip will not count.

Allstate Drivewise offers discounts based on good driving habits. Thus, you should make sure that Drivewise only records trips where you are the driver so you can maximize your savings. Drivewise cannot increase your premiums, however, so policyholders will never be penalized for trying the program.

To learn more, check out WalletHub's Allstate Drivewise review.

You can get up to 25% back with Drivewise per policy period, and you get an initial 10% discount on your premium just for signing up. New customers may even be able to save a bit more by switching to Drivewise, according to Allstate advertisements. Allstate Drivewise is a usage-based insurance program that tracks driving habits and rewards safe driving.

Ways to Get Money Back From Allstate Drivewise 

Discounts and Rebates

In addition to the initial 10% discount, drivers can earn back up to 25% of their premiums upon policy renewal either in the form of a discount or a cash rebate, depending on the state.

Rewards Points

Drivers can earn points for completing safe-driving challenges, redeeming promo codes, and responding to surveys. These points can then be redeemed for things like gift cards, sweepstakes entries, discounts on services, travel deals, daily deals, and more.

Even drivers who aren't insured by Allstate are eligible to sign up for Drivewise for free and then earn rewards points.

To learn more, check out WalletHub's full review of Allstate Drivewise.

Allstate Drivewise works by tracking your driving habits through a a smartphone app and rewarding safe driving with lower rates. Allstate Drivewise monitors things like speeding and hard braking, and Allstate will not raise your rates for poor driving habits.

Key Things to Know About Allstate Drivewise

• Allstate customers who drive safely can save up to 40% while using Drivewise.
• Allstate Drivewise monitors your speed, hard braking, and the time of day you typically drive.
• In addition to speeding and hard braking, things like driving late at night or being in heavy traffic often may reduce the likelihood of a discount.
• Allstate Drivewise has a 4.5/5 rating from WalletHub's editors.
• Customer reviews for the Allstate Drivewise app average 4.4/5.
• Drivewise is not available in every state.

To learn more, check out WalletHub's full review of Allstate Drivewise.

Yes, Allstate Drivewise tracks location for things like underwriting purposes, helping to speed up claims processes, and to give you accurate details of your trips. Your location information does not directly determine your premium or discounts, though.

Additionally, your location information is not accessed in real-time unless providing emergency services in the event of an accident. To understand how Allstate collects, stores, and uses your data, be sure to read the privacy policy in the Drivewise app or contact Allstate directly.

Why Allstate Drivewise Tracks Location

• Drivewise tracks your location using a smartphone app to measure speed, hard braking, and time of day you typically drive more accurately.
• Location information can be used to determine how far you travel on each trip, as well as your average speed.
• Stored location data may be used during the claims process to better analyze the details of the incident, such as speed and location layout.
• If you use the accident detection feature, Drivewise may automatically initiate a call for emergency assistance if an incident is detected.
• Drivewise saves maps of your trips using your GPS location data so you can review areas where you may need to improve your driving habits.

To learn more, check out WalletHub's review of Allstate Drivewise.

You can't get a safe driver discount from Allstate, but the company rewards good drivers in other ways. Allstate's Safe Driving Bonus sends you a rebate every six months that you're accident free, and its Deductible Rewards program lowers your collision deductible for every year without a wreck.

If you don't qualify for Allstate's safe driver rewards, there are still other ways for you to save on the cost of coverage. For example, Allstate offers a discount for drivers who have another policy with the company in addition to their car insurance.

To learn more, check out WalletHub's guide to Allstate discounts.

Allstate does not offer a good driver discount, unlike most other major insurers. Drivers with clean records will typically be charged a lower rate for coverage, but they will not receive a specific discount amount.

Even though Allstate does not have a good driver discount, you can see if you qualify for other discounts that they offer. For example, Allstate offers a multi-policy discount for drivers who have more than one type of policy with the company.

To learn more, check out WalletHub\'s guide to Allstate discounts.

Allstate is so cheap because the company offers a wide variety of discounts that almost anyone can get. A minimum coverage policy from Allstate costs an average of $48 per month, and Allstate premiums can be made even cheaper by taking advantage of discounts such as paid-in-full discount and anti-theft device discount. Plus, Allstate rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.

Average Monthly Rates for Allstate vs. Top Competitors

Note: Premiums are representative of a 45-year-old good driver in CA; individual premiums will vary.

Allstate is especially cheap for young drivers in particular. That's because Allstate has special savings opportunities for drivers in this category, such as discounts for students with a GPA of at least 2.7.

Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so even though Allstate is among the cheapest car insurance companies, the only way to confirm you've found the lowest price is to compare quotes from multiple companies.

To learn more, check out WalletHub's review of Allstate and see Allstate's full profile.

You can lower your Allstate car insurance costs by taking advantage of Allstate discounts, opting for a higher deductible, and reducing your coverage, among other things. Allstate considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.

How to Lower the Cost of Car Insurance from Allstate

Use Allstate's auto insurance discounts

Allstate offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount of up to 20% if their policy covers a college or high school student who maintains at least a "B-" average. Or you can save up to 25% on your premium if you have multiple policies with Allstate.

Raise your car insurance deductible

Opting for a higher deductible on any of your insurance policies from Allstate can lower your premium. But if you decide to go this route, it's important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.

Reduce your car insurance coverage

Most states require a certain amount of bodily injury liability and property damage liability coverage. But there are other coverage options (like comprehensive, collision, personal injury protection, and uninsured motorist) that you may not have to purchase, depending on your state. Less coverage usually means lower premiums, but it could also lead to higher costs in the long run, so it's important to approach coverage decisions with caution.

Improve your driving record

Practicing safe driving habits and avoiding moving violations can help you qualify for lower Allstate insurance rates long-term. You may also be able to attend traffic school in order to remove a violation or points from your record, depending on your state. 

Build and improve your credit

Because your credit history is correlated with your likelihood of filing an insurance claim, Allstate uses your credit data to calculate your premium in states where it is legal. As a result, having good credit makes you less of an insurance risk, which will reduce your rates over time.

Drive less

Whether you can shorten your commute to work, use more public transportation, or even ride a bicycle more, driving fewer miles each year could lower your Allstate premium.

Drive an insurance-friendly car

Expensive cars, sports cars, and cars with high rates of theft are considered to be riskier to insure than cheaper, more practical vehicles. Before you buy a new car, get a new quote from Allstate to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.

Sign up for Drivewise

Drivewise, the Allstate telematics program rewards you for good driving with a discounted premium. Specifically, Drivewise tracks acceleration, braking, and the time of day that you drive. By using Drivewise, drivers can save 10% on their premium just for signing up and earn a rebate of up to 25% every six months.

Finally, if you're still struggling to afford your Allstate policy, you should consider switching insurers. Even if you're not actively looking for a new policy, it's generally a good idea to compare quotes from three different companies every 6-12 months. To learn more, check out WalletHub's guide to switching car insurance companies.

Yes, Allstate offers a defensive driving course discount, but only in states that legally mandate it. Thirty-four states and the District of Columbia require insurance companies to provide a defensive driving discount to eligible drivers, though exact discount amounts and requirements vary.

If Allstate does not offer a defensive driving discount in your state, you should still consider taking a course. By going to traffic school, you can learn how to better avoid at-fault accidents and moving violations, which would increase your Allstate premium. In some states, defensive driving courses can even reduce points on your license or prevent a moving violation from going on your record.

To learn more, check out WalletHub's guide to Allstate discounts.

No, Allstate does not have a dash cam discount, since no major car insurance company in the United States offers dash cam discounts as of April 2023. The closest thing Allstate has to a dash cam discount is Drivewise, which monitors policyholders' driving habits and adjusts their premiums accordingly.

Drivewise from Allstate is a type of usage-based insurance. The program tracks acceleration, braking, and the time of day that you drive and can save policyholders up to 40%.

Even though Allstate does not offer a dash cam discount, purchasing a dash cam could still be worth it in the long run. For instance, dashboard cameras can help prove fault in a car accident, prevent insurance fraud, and provide evidence in traffic court.