Allstate Drivewise: Complete Guide & Review (2024)

Allstate Drivewise

11,413 reviews

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4.0

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Company Facts

Full Coverage

$160/mo

UBI Discount

30%

Complaint Level

Low

Pros & Cons

• Multiple coverage options
• Various discounts
• Additional savings programs

• Lower than average customer service ratings
• Higher than average auto insurance rates

» Allstate Car Insurance Review

11,413 reviews

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Our Allstate Drivewise review found that Allstate Drivewise can save drivers up to 40% off their policy. Drivewise tracks your driving behaviors to determine how large a discount you’ll earn. Everyone is eligible for 10% savings when they sign up, and safe drivers can save up to 40%.

This is a great discount, as Allstate is one of the more expensive companies. Drivewise’s usage-based car insurance will help people save on their coverage at Allstate. 

Read on to explore Allstate Drivewise features, rewards, and how it tracks your driving habits.

Then enter your ZIP code into our free online quote tool to help you compare Allstate rates with other companies to find the best usage-based auto insurance for your needs.

Allstate Drivewise Explained

With so many Americans working from home or choosing public transportation, many drivers are looking for an alternative to standard insurance. Today, many of the best insurance companies offer usage-based programs to help low-mileage and safe drivers lower their rates.

Unlike Allstate’s Milewise program, Drivewise works through the Allstate app, which monitors your driving habits. People who sign up for Drivewise get an automatic 10% discount on their insurance. The safer you are while you drive, the greater your discount will be.

How much money do you save with Drivewise? Depending on your driving habits, you can save an additional 30%. Allstate guarantees that your rates won’t increase if your driving score isn’t very high.

Will Drivewise make your insurance go up? Does Allstate Drivewise penalize drivers? You’ll never be penalized for trying Drivewise.

Read more: Allstate Milewise Review

Allstate Drivewise Features

While most drivers sign up for the discount, Drivewise offers several other perks. Many people — especially parents or guardians with new teen drivers in the house — appreciate Drivewise’s behavior tracking.

People who practice safe driving habits can also earn cash back after 50 trips, which you can claim every six months. There are some restrictions. For example, North Carolina residents can only receive their cash-back reward as credit towards their policy.

The app has several options you can choose from to learn more about your driving, how much you’re saving, etc. This includes windows for:

• Crash Detection – connects you with help after the app detects that you’ve been in a crash
• Dashboard – allows you to review a summary of what you’ve saved by driving safely
• Driving Insights – provides insights and answers to your family’s driving questions and audibly alerts you when issues arise
• Gas Finder – helps locate nearby gas stations
• Good Hands Rescue – connects you with roadside assistance (Read our article What should you do if you have a tire blowout?)
• My Trips – lists your trips, allows you to review your driving habits, and provides feedback and ways to improve
• My Challenges – offers safe driving challenges you can enroll in to earn reward points
• Parking reminder – helps you never forget where you parked or feed a meter
• Phone Activity – tracks how often and for how long you’re using your phone while you’re behind the wheel
• QuickFoto Claim – enables you to submit photos when you need to file a claim (See more about how to file an insurance claim.)

A final Drivewise feature that many drivers enjoy is Allstate’s safe driving rewards. Drivewise drivers earn points for completing challenges, like having three consecutive trips without speeding. You can turn your points in for rewards like gift cards, discounts, and sweepstake entries. 

Read on for details on some of the significant pros and cons of the Allstate Drivewise program and app.

Pros and Cons of Allstate Drivewise

What are the pros and cons of Allstate Drivewise? Like other usage-based insurance programs, Allstate’s Drivewise program can help you save money on your car insurance.

Drivewise offers the following pros:

• An automatic 10% discount for signing up, with the chance for an additional 30% savings on your rates
• Other unique features and rewards that you can sign up for even if you don’t have Allstate car insurance
• Tracks driving behaviors to help drivers improve their skills

Although Drivewise can help you save money, it also has its disadvantages. If you decide to sign up for Drivewise, watch out for these Allstate Drivewise review complaints:

• Many drivers feel uneasy having an app track their driving
• Only eligible for drivers who put under 18,000 miles on their car per year
• Not available in every state

For Apple users, the app runs well and receives few complaints. It currently has a customer rating of 4.8 out of five stars in the App Store. However, for Android users, the app isn’t as successful. Customers currently give it an average of 3.5 out of five stars.

Allstate Drivewise complaints from users are mainly about the Allstate Drivewise app not working. Inability to log in, over-sensitivity of the tracking software, slow loading times, and inaccurate “phone usage while driving” data are other consistent complaints among the Allstate Drivewise app reviews.

All usage-based programs have pros and cons, but Allstate Drivewise reviews are generally positive. Read on to explore more about Drivewise to decide if it’s right for you. Also see our expert tips on how to lower your car insurance.

How Allstate Drivewise Works

Drivewise by Allstate is a usage-based insurance program that tracks a variety of driving behaviors and trip data. Drivewise and Allstate car insurance policies are separate products, so you can use Drivewise to earn rewards even if you don’t have Allstate insurance.

You’ll need the Allstate Drivewise app when you agree to use it (read our Allstate Drivewise mobile app review for more information). The app collects data on your driving habits, including:

• Fast accelerations and speeding
• Hard braking
• The length of time you drive over 80 MPH
• The time of day you drive

The Drivewise app runs in your phone’s background and doesn’t require much power, so you’ll be able to use your phone as you normally would. You must always share your location with the app, or it won’t work.

At the end of every trip, Drivewise generates a report about your driving and tallies how many points you earned.

You may ask yourself, “How does Allstate Drivewise know I’m driving?” Allstate Drivewise assumes you’re driving because the program works by monitoring your phone’s GPS. But the situation could arise in which you’re in the vehicle but you’re not driving. But if a trip is detected in which you aren’t the driver, you can delete the trip using the Allstate mobile app.

Read more: Troubleshooting Why Your Allstate App is Not Working

Drivers Who Should Use Allstate Drivewise

Since Drivewise doesn’t penalize drivers, anyone comfortable being tracked should feel free to try it. Unlike many other telemetric programs, your rates won’t increase, and you won’t lose your rewards if your driving habits get low scores.

The drivers who get the most from Drivewise practice safe driving habits, mainly travel during the day, and don’t put too many miles on their car. It’s also a solid educational tool for teens, pointing out areas where young drivers can improve.

Read more: Best Auto Insurance for Young Adults

How Allstate Drivewise Affects Car Insurance Rates

While the extra features and rewards are a nice bonus, people sign up for Drivewise mainly to get cheap car insurance. When it comes to savings, is Drivewise worth it?

The average Allstate policy costs $166 a month, although you might see many different rates based on your unique factors. Learn more in our Allstate Auto Insurance Review & Complaints.

The table below shows rates for the top insurance companies with full coverage car insurance compared to minimum car insurance requirements coverage.

The amount you could save with Allstate Drivewise also depends on your state. Take a look at the table below to see how rates fluctuate based on where you live. 

With Drivewise, Delaware drivers can save nearly $200 yearly on the best Delaware car insurance. Californians, on the other hand, will probably see negligible savings.

How To Enroll in Allstate Drivewise

Enrolling in Drivewise from Allstate is simple. To start, you should download the Allstate app and create an account. You don’t need Allstate car insurance to use Drivewise, though you’ll only be eligible for rewards if you aren’t an Allstate policyholder.

Once you have the Allstate app, you can request to join the Drivewise program. Once you’ve signed in and set everything up, your next step is to take a trip.

Drivewise recognizes a trip anytime you move your car more than 15 MPH. After you take 50 trips with Drivewise, you’ll be eligible to earn points and claim rewards.

Allstate Drivewise vs. Its Competitors

The potential savings of 40% on your insurance and the unique rewards system make Drivewise an appealing usage-based program. However, Allstate is far from the only telemetrics-based discount out there. There are a range of factors used to calculate car insurance discounts, and various programs define them differently.

Most major companies offer usage-based insurance if you’re interested in being rewarded for your safe driving.

Usage-Based Car Insurance Programs by Provider & Discount Amount

As you can see, Allstate offers one of the largest discounts for safe drivers. Unlike its competitors, you don’t have to have Allstate insurance to take advantage of Drivewise rewards. However, if your insurance is with another company, you’ll probably be better served by choosing the same telemetrics program.

Allstate Drivewise Review: The Bottom Line

Our Allstate Drivewise review has shown that Drivewise is a great usage-based program that can help you see significant car insurance discounts if you’re a safe driver. You’ll also gain access to a unique rewards program, where you can earn gift cards, special discounts, and other offers specific to your location.

While Drivewise isn’t for everyone — especially drivers who don’t want to be tracked — it can help cut your insurance rates. However, Allstate has a reputation for higher prices. To find the best insurance rates and usage-based programs, compare as many companies as possible. enter your ZIP code into our free quote comparison tool to start shopping around today.