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 1, 2021

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Just What's Essential

  • American Family KnowYourDrive is a usage-based insurance program that provides discounts to good drivers
  • You can save up to 20% on American Family car insurance if you practice safe driving habits
  • Hard braking and distracted driving negatively affect your American Family car insurance savings

Are you trying to find more ways to save money on American Family car insurance? Try out American Family KnowYourDrive.

American Family KnowYourDrive is a program that provides a discount to American Family customers who are searching for affordable car insurance rates.

Read through this American Family KnowYourDrive review to learn how American Family’s pay-how-you-drive car insurance program works.

After reading our American Family KnowYourDrive review, enter your ZIP code in the free comparison tool above to compare multiple companies in your local area.

What is American Family KnowYourDrive?

American Family KnowyourDrive is a usage-based insurance program that provides a discount when you drive safely.

American Family auto insurance rates are adjusted based on your driving habits. The better your driving behavior, the more you’ll save.

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

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How does American Family KnowYourDrive work?

To access American Family KnowYourDrive, you’ll have to sign up when you’re buying an American Family car insurance policy. Once you’re enrolled, you’ll receive a 10% discount.

Use your American Family insurance login to manage the KnowYourDrive mobile app. The built-in telematics works through the KnowYourDrive app and monitors your driving behaviors in the background.

What driving habits do American Family KnowYourDrive look for?

KnowYourDrive is a pay-how-you-drive (PHYD) insurance app. Therefore, your savings will depend on your driving habits. Here’s a list of behaviors that American Family insurance representatives monitor.

  • Driving Frequency
  • Hard Braking Events
  • Fast Acceleration
  • Speed
  • Distracted Driving
  • The time of day you drive

If you manage to drive safely according to American Family standards, you can receive a 20% discount on American Family car insurance rates.

Distracted driving is a sure way to miss out on American Family auto insurance savings.

According to the National Highway Traffic Safety Administration (NHTSA), 3,142 people were in fatal accidents involving distracted driving.

American Family insurance is one of many companies that want to discourage drivers from distracted driving and reward drivers who don’t participate in distracted driving.

How much are American Family car insurance rates after the KnowYourDrive discount?

The average annual rate for American Family auto insurance is $2,694. However, when you apply the American Family KnowYourDrive discount, you can save at least 10% on car insurance.

Let’s look at a few examples.

  • American Family Car Insurance Rate w/o the KnowYourDrive Discount – $225/mo
  • American Family Car Insurance Rate w/ the 10% initial KnowYourDrive Discount – $202/mo
  • American Family Car Insurance Rate w/ the 20% KnowYourDrive Discount – $180/mo

If you want to receive up to 20% off, practice good driving behavior. American Family insurance reviews your driving habits over time. Once it’s done, you’ll get a grade on your driving performance. The better your grades, the more you’ll save.

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

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American Family KnowYourDrive App Reviews

The American Family KnowYourDrive mobile app is available on Google Play Store and Apple App Store. Here are the current star ratings on both platforms.

  • Google Play Rating – 4.3 stars
  • Apple iOS Rating – 4.6 stars

Mobile app ratings change all the time, but American Family’s KnowYourDrive app has maintained a four-star rating and above.

Is American Family KnowYourDrive worth it?

It depends on your situation. American Family KnowYourDrive is a road you can take to more affordable auto insurance. You can even stack it with other car insurance discounts.

If you drive your car less than the average person, think about enrolling in American Family MilesMyWay. The MilesMyWay program generates car insurance rates based on how many miles you drive per day.

American Family KnowYourDrive Review: What’s the bottom line?

The best way to save with KnowYourDrive is to maintain good driving habits. It’s also an excellent way to lower high-risk car insurance.

Stack other American Family car insurance discounts with KnowYourDrive to maximize your savings.

We hope our American Family KnowYour Drive review helped you decide whether KnowYourDrive is right for you. You can expand your car insurance shopping list by using our free online quote tool to compare multiple companies near you.