Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Jul 2, 2021

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Just What's Essential

  • Allstate Drivewise is a usage-based program that gives you discounts for driving safely
  • You don’t have to be an Allstate customer to use Drivewise
  • Allstate Drivewise gives you a 10% discount on Allstate car insurance just for signing up
  • You can save up to 25% if you have good driving behavior

Did you know you don’t have to be an Allstate insurance customer to use the Allstate Drivewise app? Allstate Drivewise is a usage-based program that gives you discounts for being a safe driver.

As an Allstate car insurance customer, you can secure affordable car insurance when you drive safely. But, how much can you save?

Read through this Allstate Drivewise review to learn how you can save money using Allstate Drivewise and how the program works.

Once you learn everything in our Allstate Drivewise review, enter your ZIP code in the free comparison tool above to compare multiple companies near you.

What is Allstate Drivewise?

Allstate Drivewise is a usage-based program that gives you discounts for practicing safe driving habits. Allstate Drivewise is free, so you don’t have to be an Allstate customer to use it.

Continue to the next section to learn how Allstate Drivewise works.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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How does Allstate Drivewise work?

Allstate Drivewise once used the Onboard Diagnostics port (OBD-II port) to connect to smartphones, but Allstate has stopped using OBD-II ports. Today, Allstate Drivewise is managed through your smartphone.

You can sign up for an Allstate Drivewise login using your smartphone or other smart devices. If you’re an Allstate customer, let your Allstate agent know that you want to use Drivewise.

Allstate customers receive 10% off car insurance for signing up. Maintaining good driving habits can secure up to 25% off.

Drivewise isn’t available everywhere, so it’s important to ask your agent if Allstate Drivewise is in your state.

What driving behaviors does Allstate Drivewise monitor?

When you use Allstate Drivewise, the mobile app will run in the background and check for several driving habits. Here’s a list of what Drivewise looks for as you drive.

  • Driving Speed
  • Hard Braking Events
  • Time of Day
  • Distracted Driving

Respecting speed limits, minimizing hard braking, and resisting night driving can improve your Drivewise rating and save you hundreds per year.

Hard braking and distracted driving can cause you to lose out on Allstate deals. These two behaviors are strong indicators of an unsafe driver.

How much are Allstate car insurance rates with Allstate Drivewise discounts?

On average, Allstate auto insurance rates are $318 per month. But, how much is Allstate auto insurance when you apply the Allstate Drivewise discount?

Let’s look at a few examples.

  • Allstate Car Insurance Rate w/o Drivewise Discount – $318/mo
  • Allstate Car Insurance Rate w/ Drivewise 10% Sign-Up Discount – $286/mo
  • Allstate Car Insurance Rate w/ Drivewise 25% Discount – $239/mo

If you’re an Allstate customer, you can stack other discounts with your Drivewise discount and decrease your Allstate insurance even more.

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Is Allstate Drivewise worth it?

Since Allstate Drivewise is free, it’s not a risk to add it to your smartphone. Even if you’re a customer, Allstate Drivewise won’t increase your car insurance.

If you maintain good driving habits, you can save at least 12% on Allstate car insurance. Take advantage of all the discounts you can get.

Allstate Drivewise Review: What’s the bottom line?

Allstate Drivewise can help you save an additional 25% if you’re an Allstate insurance customer. It’s no risk to you since Drivewise doesn’t drive up car insurance rates.

Ultimately, your driving habits can help you save money on car insurance and open up more deals.

Hopefully, this Allstate Drivewise review helped you understand one of Allstate’s usage-based programs. Use our free online quote tool to compare multiple companies in your local area.

References:

  1. https://www.obdsol.com/knowledgebase/on-board-diagnostics/what-is-obd/