Allstate Drivewise Program Review (2021)

The Allstate Drivewise program is a usage-based insurance program that can save you up to 40% on your rates. You'll receive an initial 10% discount for enrolling, and additional savings may be applied based on how well you drive. The Allstate Drivewise program tracks your driving habits (speed, location, braking, time of day, etc.) to determine how safely you drive, and your rates are adjusted accordingly. The safer you drive, the more you'll save, so hopefully this Allstate Drivewise program review will help you..

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Nov 28, 2021

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Company Details
Address: 2775 Sanders Road
City: Northbrook
State: IL
ZIP Code: 60062
Phone Number: 847-402-5000
Year Founded: 1931
AM Best Rating: A (Excellent)
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When you’re looking for ways to save on your car insurance, one option is a usage-based car insurance program. These programs are a growing trend in the car insurance industry, allowing companies to tailor rates specifically to your driving habits. The more safely you drive, the better your rates.

One such usage-based program is Allstate Drivewise. So what is Allstate Drivewise, and how does it work? Can you get affordable Allstate Drivewise program car insurance? What are average Allstate Drivewise program car insurance rates? How are Allstate Drivewise program car insurance quotes generated?

Read this Allstate Drivewise program review to learn the basics so you can decide if Drivewise is right for you.

One of the best ways to save, whether you choose a usage-based insurance option like the Allstate Drivewise program or not, is to compare quotes from multiple car insurance companies. You can get started on comparison shopping by entering your ZIP code in the tool on this page to get your first free quote right now.

What is the Allstate Drivewise program, and how much can you save?

The Allstate Drivewise program is a usage-based discount program offered through Allstate Insurance. The company collects data on your driving habits using telematics technology with the Allstate app or a vehicle plug-in device. Allstate then uses your driving data to adjust your insurance rates, meaning you get a rate that reflects your driving habits more accurately.

Allstate offers a 10% discount on rates just for enrolling in the program, and, depending on your driving statistics, you can save up to a total of 40% on your rates. For drivers who remain enrolled in the program, rate adjustments at each policy renewal are based on the most up-to-date tracked data.

It’s important to note that Allstate Drivewise isn’t currently available in every state, so you’ll need to speak with Allstate to find out if it’s offered in your area.

Keep reading to learn what data is tracked, some of the pros and cons of Drivewise, and more.

What data does Allstate collect for the Drivewise program?

When you enroll in Drivewise, you’ve agreed that Allstate can monitor your driving habits through either the Drivewise app or the vehicle plug-in device. A variety of data is tracked, including:

  • Your location
  • The time of day you’re driving
  • Your average speed
  • Your braking habits, including whether and how often you engage in hard braking
  • Your acceleration habits
  • How frequently you dramatically change your speed
  • How many miles you drive in an hour

After the data is analyzed, Allstate uses the results to adjust your rates. So, for example, if you regularly brake hard, this could impact your next rate adjustment.

As you might expect, there are some privacy concerns related to all this tracked data. To combat this, the Insurance Information Institute reports that some states have enacted laws that require companies like Allstate to disclose precisely what data is collected, where it is stored, who it is shared with, etc.

What are the pros and cons of the Allstate Drivewise program?

Only you can decide if Allstate Drivewise is right for you, and reading an Allstate Drivewise review like this one can help you make that decision.

Some of the pros of the Allstate Drivewise program include getting rates based on your driving habits, getting a 10% discount just for signing up, and saving up to a total of 40% on your rates. If you’re a safe driver, it may be a good fit for you.

However, if you aren’t an exceptionally safe driver, spend a lot of time in traffic, drive a lot at night, etc., having your driving habits tracked may not get you the savings you’re looking for with Drivewise. In addition, as we noted earlier, there are some privacy concerns related to the data tracking, given the type and amount of data gathered by the app or plug-in device.

What is the difference between the Allstate Drivewise app and the plug-in device?

The Allstate app is the most commonly used method of tracking driving data because of its convenience. Currently, only New York and Arkansas drivers can use the Drivewise plug-in device (which plugs into your vehicle). The upside to the plug-in is that it only tracks your vehicle (rather than you), so there are fewer privacy concerns.

There isn’t a separate Allstate Drivewise app. Instead, the Allstate Insurance app includes a feature for Drivewise, which is enabled if you’ve enrolled in the program.

When you use the app, all you need to do is log in (your Allstate Drivewise login is the same as your Allstate app login because Drivewise is part of the company app).

To meet the requirements for the Drivewise program, you have to keep the app logged in and your location data enabled.

It tracks you wherever you go, regardless of whether or not you’re driving, but it automatically removes data that doesn’t apply (i.e., if you’re walking, flying in an airplane, aren’t in the driver’s seat, etc.). You can also manually go into the app and delete trips that aren’t relevant.

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Allstate Drivewise Program Review: The Bottom Line

The Allstate Drivewise program uses your driving data to adjust your rates. Data can be tracked using either the Allstate app or an Allstate Drivewise vehicle plug-in device. Safe drivers can save up to 40% with Drivewise, and any driver can save an initial 10% just for enrolling in the program.

You can buy Allstate Drivewise program car insurance through Allstate Insurance, and you can read our Allstate car insurance review for more information on the company as a whole.

Before you leave this Allstate Drivewise program review, why not use your ZIP code in our tool to get free quotes from insurance companies in your area and start comparison shopping today.

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