Allstate Drivewise Review (2021)

Allstate Drivewise reviews your driving habits by tracking your trips via a smartphone app. You can save up to 15 percent on your auto insurance rates by being a safe driver and using their app. Allstate Drivewise tracks your speed, hard-braking, time of day, location, and more. It won't cost you more to use it, but it could possibly save you money.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Mar 26, 2021

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What You Should Know

  • Allstate overall has great ratings for financial strength.
  • Like many auto insurance companies, Allstate offers a telematics system that tracks your driving habits, which can save you money if you’re a safe driver.
  • Allstate Drivewise also lets you earn points that you can redeem for prizes and discounts on other services.

Are you a safe driver with Allstate? That’s good news if you’re interested in Allstate’s Drivewise program, which lets you earn rewards.

We’re going to do a quick Allstate Drivewise Review so you’ll know more about Allstate’s telematics tool, which can help you save money on your auto insurance as a safe driver.

It always helps to shop around, even if you’re a safe driver, because each company is different. Enter your ZIP code to get FREE quotes from multiple insurers.

What does Allstate Drivewise do?

Is Allstate Drivewise a good idea? How does Allstate Drivewise work?

Allstate Drivewise is a program from Allstate that tracks your driving habits. When the program was first introduced, you would get a device that plugged into your vehicle’s OBD port. There are many Allstate Drivewise reviews online that are complaining about Allstate Drivewise not recording trips.

Now, however, the program functions on an app that you download to your smartphone, which seems to work better.

The app will track trips when you’re in a vehicle going at least 20 mph, even for a short distance. Your phone must be on and charged with location services enabled, but the app doesn’t need to be open.

The Allstate Drivewise telematics program records the following information:

  • What time you’re driving – Driving between 11 pm and 4 am during the week or 11 pm and 5 am on weekends is higher-risk, which means you may not get as much in the way of discounts.
  • How hard you’re braking
  • How fast you’re speeding over 80 mph and for how long
  • Where you’re driving and where you park, including starting and ending locations for the trip
  • How many miles your trips are

Telematics is simply a term that refers to a type of auto insurance that tracks mileage and driving behavior, according to our friends over at the National Association of Insurance Commissioners. If you’re a safe driver, telematics can help you save money on auto insurance.

This seems like it can be a problem if it picks up trips while you’re a passenger, but the app allows you to remove Allstate Drivewise trips that were not yours. You’ll have to provide a reason, but then it won’t count for you.

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How much does Allstate Drivewise save on auto insurance rates?

Allstate reviews this data and rewards your safe driving habits with a discount on your auto insurance. The table below shows how much you can save.

Allstate Drivewise Average Six-Month Auto Insurance Rates
Drivewise UsageAllstate Average Allstate Rates
Without Drivewise$692
With Drivewise$498-$602
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Allstate Drivewise will not cause a rate increase but could save you up to 30 percent.

You can also earn points with the app. You can’t go to the Allstate Drivewise app to redeem cash with your Allstate Drivewise rewards login, but you can do it at Allstate’s rewards site.

When you first sign up for Drivewise, you get 10,000 points automatically. After that, you can get 5,000 more points for visiting the rewards site for the first time. Once you’ve done that, you’ll have many different ways to earn and redeem these points.

This video from Allstate goes over the Drivewise app.

If there are two drivers on the same policy who have the same trip, that trip data will be put on the driver with the fewest number of trips.

Here are Allstate’s average annual rates, but keep in mind this includes drivers across the country. But you can see how much your rates can spike with one at-fault event on your driving record.

Allstate Average Annual Rates Based on Driving History
Driving RecordAllstate Average Annual Rates
Clean record$3,819.90
One speeding violation$4,483.51
One at-fault accident$4,987.68
One DUI$6,260.73
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There are plenty of questions online about how to cheat the Allstate Drivewise app. We don’t recommend it. It would be difficult to even accomplish this, and Allstate may terminate your auto insurance policy if you do. Cheating on the app would constitute a breach of policy and could have potential legal ramifications.

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How much is the average Allstate Safe-Driving bonus check?

Allstate provides a safe-driving bonus every year to its customers who prove they have good driving habits.

The program promises that you can save up to 20 percent in discounts or as “cash back” in Allstate Drivewise rewards. It’s impossible to give an average of how much this might be, as some people have fairly cheap auto insurance policies, while others pay an arm and a leg for it.

This Allstate video is on the safe-driving bonus.

The company reports that you can get $100 off your collision deductible when you sign up, followed by an extra $100 each year you are accident-free, up to a total of $500.

How does Allstate Drivewise know I’m driving?

What happens if you unplug Drivewise? If you still have an OBD-inserted device for Allstate Drivewise, it will record the time you don’t have it plugged in.

However, most customers now have the app on their phone which uses GPS. If you’re driving over 20 mph for a short distance, it will record it as a trip.

If you’re just a passenger, it will still record the trip. However, you can go in and delete it later so that it doesn’t affect your data.

Make sure you have all the discounts that you qualify for to get the best rates. Enter your ZIP code to get FREE quotes from multiple insurers.


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