Allstate Drivewise Review & Complaints| Pay-per-mile

Allstate Drivewise reviews show that the program is a well-reviewed among users. It doesn't penalize drivers with higher premiums for bad driving, plus you can pay per mile. Allstate Drivewise can save most drivers up to 15 percent on Allstate car insurance (there is also a 3 percent discount in some states for signing up). Allstate Drivewise is available in 28 states for both Allstate customers and non-customers. However, reviewing the Allstate Drivewise program shows that non-customers are only eligible for cash rewards, not auto insurance discounts.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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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 insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 20, 2021

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The Highlights

  • Allstate Drivewise is only available in 28 states.
  • The Drivewise Rewards program can save drivers up to 15 percent.
  • Reading Allstate Drivewise reviews will help drivers decide if the program is right for them.

Interested in lowering your car insurance rates? This Allstate Drivewise review is for you. When you compare car insurance companies’ apps, the Drivewise system works a little differently from other companies’ programs.

We’ll explain everything from how to install the program to what happens if you unplug Drivewise and give you Allstate Drivewise hacks for saving money. But, you can also learn more about these usage-based auto insurance programs.

Finding the best insurance companies takes time, but comparing rates is a good start. Before jumping into this Allstate Drivewise review, look at our free tool above to compare rates and plans, and make sure you’re getting the most affordable car insurance rates.

What is Allstate Drivewise?

Drivewise is Allstate’s version of the popular usage-based car insurance trend. Operating mainly from a mobile app, Drivewise offers not only the chance to earn a discount but points in the company’s Rewards program as well.

Similar to this is the company’s Milewise program, which offers liability, comprehensive, and collision coverage to drivers by the mile. Check out our Allstate Milewise review for more information.

If you’re interested in earning a discount through Allstate’s program, this Allstate Drivewise review will help you understand all of the details to decide if it’s right for you.

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What Are the Pros and Cons of Allstate Drivewise?

What is Drivewise by Allstate? Drivewise was initially introduced using a plug-in device similar to that used by other usage-based programs. Allstate car insurance now offers the Allstate Drivewise program only as a mobile app in most states. Alaska, Indiana, and Florida drivers are the only ones with access to the Allstate safe driving device at this time.

Unlike other programs, Allstate Drivewise is not only available to Allstate customers. Anyone can use it. Drivewise does not have its own specific app; rather, it is a feature that can be activated from within the Allstate app. Non-customers can download the app and activate the program.

While non-customers do not earn any policy credits or Allstate Drivewise discounts, they can sign up for the Allstate Rewards program.

Allstate Rewards is a program like many other similar setups in which you earn points for certain activities and redeem them for things like gift cards, travel, merchandise, and other options.

Those who are Allstate customers can earn reward points in addition to earning policy credits and even “cash back” or policy credits for safe driving.

Drivewise is available in most states, although terms and rewards vary from state to state. The program promises up to 20 percent in discounts and states that rewards are given in “cash back.” This is called the performance reward and is separate from the enrollment discount, which is received when you sign up.

To compare rates and plans from companies that may offer programs similar to Drivewise, check out the free tool below.

Who Should Use Allstate Drivewise?

Having just one accident could cost you over $1,000 annually. Safe driving is in your best financial interest and a reason why DriveWise might be for you.

The National Association of Insurance Commissioners says that usage-based auto insurance (UBI) programs arrived around a decade ago as a mileage-based discount program linked to a GPS. These programs started as a discount program for good drivers. Telematics devices are plugged into cars to record driving information.

In 2018, the Insurance Information Institute estimated 10 to 11 million telematics enabled insurance programs in place in the United States.

That number has increased even more today, as many consumers are looking for ways to save on insurance premiums.

The National Highway Traffic Safety Administration says that accidents cost over $200 billion annually. It’s no wonder that insurance companies are looking for ways to make America’s roads safer. Drivers are looking for ways to be safer on the road as well. Programs like Drivewise help everyone reach that goal.

Take a look at the following table, which outlines how much an incident on your driving record can impact your rates.

Average Annual Car Insurance Rates by Driving Record
CompaniesAverage Annual Rates with Clean RecordAverage Annual Rates with One Speeding ViolationAverage Annual Rates with One AccidentAverage Annual Rates with One DUI
USAA$1,933.68 $2,193.25 $2,516.24 $3,506.03
GEICO$2,145.96 $2,645.43 $3,192.77 $4,875.87
American Family$2,693.61 $3,025.74 $3,722.75 $4,330.24
Nationwide$2,746.18 $3,113.68 $3,396.95 $4,543.20
State Farm$2,821.18 $3,186.01 $3,396.01 $3,636.80
Progressive$3,393.09 $4,002.28 $4,777.04 $3,969.65
Travelers$3,447.69 $4,260.80 $4,289.74 $5,741.40
Farmers$3,460.60 $4,079.01 $4,518.73 $4,718.75
Allstate$3,819.90 $4,483.51 $4,987.68 $6,260.73
Liberty Mutual$4,774.30 $5,701.26 $6,204.78 $7,613.48
Average Annual Rates$3,123.62 $3,669.10 $4,100.27 $4,919.62
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Like most such programs, Drivewise uses driving habits to calculate a premium discount and other rewards for safe driving. Although Drivewise originally used a plug-in device to collect this information, the new version of the program seems to have the goal of phasing out the plug-in device in favor of using the mobile app only.

It’s an optional program aimed at giving good drivers a discount while also allowing drivers to track their habits and see what they can do to improve.

Take a look at the video below to see how this trend has shaped insurance plans and drivers.

The Insurance Information Institute states that insurers are capturing data from millions of vehicles to create information profiles on driving behaviors to support UBI programs. These programs are saving drivers money all across America.

How Does Allstate Drivewise Work?

So how does Allstate Drivewise work? There are a few types of telematics devices that can track your driving. Instead of using a plug-in device like some systems, Drivewise mostly relies on an app installed on a mobile device to send information as you drive.

Some drivers ask, “How does Drivewise know I’m driving?” Drivewise works like most other usage-based mobile apps. It runs in the background on your phone and tracks information every time you get into your car. Information collected includes how you drive and when you drive.

Allstate Insurance then uses its calculation system to translate that information into a grade for good driving habits.

The app allows drivers to monitor their progress with the program over time, showing how much of a cashback reward they have so far earned and what’s been recorded in terms of safe and risky driving behavior.

The first “cash back” reward is available after the driver completes 50 trips, and rewards are then calculated every six months.

Drivewise works on an ongoing basis with the opportunity to continue earning rewards for safe driving rather than the one-time discount offered by other programs. Improvements in your driving over time can lead to greater rewards. While you may not earn a reward if your driving habits aren’t very good, Allstate Insurance will not penalize you with rate increases.

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How Does the Allstate Drivewise Bonus Work?

As discussed, Allstate’s program works a little differently from some other programs out there. Three types of rewards are listed for the app: enrollment discount, performance rewards, and Allstate Rewards.

Allstate Insurance offers a three percent enrollment discount. This is applied to your policy right away when you activate the Drivewise program. It remains on your policy for as long as you keep using Drivewise, regardless of what sort of driving habits are recorded.

Does Allstate Drivewise Decrease Rates?

The program will not raise your rates regardless of the driving habits recorded. You will earn the initial discount, but you may not receive other discounts. Allstate promises, however, that your rate will never increase. So if you’re wondering, “Why is Allstate so bad?” this might improve your opinion.

How Much is the Allstate Bonus Check?

The next part of the program is performance rewards. This is also referred to as “cash back” rewards. This aspect relies on the data collected about your driving habits through the app. Although the term “cashback” is used, it’s actually a premium credit applied as a discount on your policy at renewal.

With a performance reward, a driver can earn up to 15 percent off their policy. The app shows what performance rewards you’ve earned both as a percentage and as a dollar off amount, listing your projected discount on your next renewal.

The chart below outlines the average premium a driver might have with and without the Allstate Drivewise program.

Allstate Drivewise Average Rate Reduction
Drivewise StatsAverage Allstate Six-Month Rates
Without Drivewise$692
With Drivewise$498-$602
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The final part of the program is Allstate Rewards. This points program is similar to a credit card rewards program where you earn points that can be redeemed for a variety of things.

To begin with, 10,000 points are deposited in your Rewards account upon signing up for Drivewise. You will get 5,000 more when you’ve signed up for Rewards and visited the site for the first time. After that, you can earn more points for various things, including completing “driving challenges.”

There are a variety of other ways to earn points as well. These points equal credits towards services and merchandise from participating vendors.

Allstate Drivewise rewards reviews may have higher numbers because Allstate Rewards is the only portion of the Drivewise program for which non-customers are eligible. Anyone can download the app and participate in this portion of the program.

Allstate has several other options to save you money also. Through its Safe Driving program, drivers also get credit. How much is the average Allstate safe driving bonus check? Rather than a check, you will get a credit, just like with Drivewise. The allotted credit is up to five percent of the policy premium.

Wherever you live, your state will more than likely have required liability coverage. While the minimum requirements might be the cheapest option, this isn’t going to provide full protection.

Full protection from any insurer could be at a high cost. Programs like Drivewise can help save you money. Looking for car insurance discounts available through your insurer will help offset your premium.

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What About Drivewise Data Recording and Privacy?

Drivewise records quite a bit of information, but not all of it affects your performance reward. Through the app, the program records data and transmits it back to Allstate.

What driving habits does Allstate Drivewise monitor?

The telematics program that Allstate uses for the Drivewise program collects the following data:

  • Time of day: Driving between the hours of 11 p.m. and 4 a.m. on weekdays and 11 p.m. to 5 a.m. on weekends is considered high risk, and the app counts how many of your driving hours take place at these times.
  • Braking: Allstate Drivewise, hard braking data, records hard and extreme braking incidents.
  • Speed: The program records how much time you spend driving above 80 mph.
  • Location: It tracks where your car travels and where it was last parked.
  • Miles drove: The number of miles driven each trip is recorded.
  • Trip data: Allstate Drivewise tracks when and where you drove, with starting and ending locations.

All of this information is visible to the driver within the app, but not all of it will be used by Allstate to calculate a discount. However, hard braking is one that usually results in penalizations (a lower discount), as well as speeding.

The Allstate mobile app automatically detects when driving is happening. The phone needs to be on with location services enabled, and the vehicle needs to travel at least 20 mph for a short distance. No action is necessary on your part to capture a trip. Even if the app is closed, it will still detect trips.

If you are not the driver, you can delete the trip in the app, and it will not count towards your driving record or rewards.

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How is my Drivewise Information Used?

How your information is used is one of the most common Allstate Drivewise FAQ. Allstate uses only three pieces of information from the Drivewise app to calculate your rewards. The company bases this on time of day, braking, and speed.

The app calculates a reward percentage based on how many hard or extreme braking incidents are recorded, how many hours you are on the road late at night, and how much of your driving is spent at speeds over 80 mph. There is also an overall “trip score” for each trip based on these pieces of information.

Allstate will not sell your personal data to other parties, but it does share your driving data with third parties to calculate your rewards.

Allstate may also share your data to comply with law enforcement, check for fraud, claims, and other necessary situations. This is all listed in Allstate’s privacy policy, so always make sure to read the fine print before signing up for anything.

Compared to some other usage-based programs, Allstate uses fewer pieces of information to inform Drivewise discounts. Other programs also take into consideration how many miles you drive and incidents of quick acceleration in addition to braking.

While the app can record a lot more information, most of this is mainly provided for the driver. Allstate doesn’t keep data about where you drive or park or any other trip information. The additional information is displayed for the driver’s benefit.

The app also includes “driving challenges,” which can be completed to earn Allstate Rewards points. As noted above, this part of the program is available even to non-customers of Allstate.

How Does Allstate Drivewise Prevent Users from Cheating?

Some ask how to cheat the Allstate Drivewise app. Since this is sophisticated software, it would be hard to manipulate the system. Aside from that, this would constitute a breach of the contract on your part. This could result in the loss of your insurance policy as well as potential legal consequences.

Allstate Drivewise does not reveal how it prevents users from cheating, as this would make it easier for people to figure out how to cheat the app. Users might try to cheat by tampering with the app, such as modifying the app to ignore hard braking.

However, if Allstate Drivewise catches users cheating on the app, the consequences include:

  • Loss of rewards
  • Loss of discounts
  • Possible loss of service
  • Possible legal action

So instead of trying to tamper with the app to increase rewards, it’s wiser to practice safe driving habits to get savings.

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Is Allstate Drivewise Worth it?

The Allstate site does not list any requirements to be eligible for Drivewise.

For the app, there aren’t any limitations to the program based on your car’s age. Those using the plug-in device will need to meet vehicle requirements that usually include the vehicle being the model year 1996 or newer.

All that’s required for the app is that you have a smartphone capable of running the Drivewise app. The site states that your phone must run Android 4.4 or higher or iOS 8 or higher to run the app. That means the main thing that could keep you from using this app is your phone.

Drivewise can be activated at any time during the policy period, and it’s available to both new and existing Allstate customers. This differs from some programs that are only available on new policies.

What States is Drivewise Available?

Allstate Drivewise is not available in all states. For example, in New York, rewards are not available, even though you can download the app. Currently, Allstate Drivewise is in 28 states.

These states are:

  • Arkansas
  • Arizona
  • Colorado
  • Connecticut
  • Florida
  • Hawaii
  • Illinois
  • Indiana
  • Louisiana
  • Kentucky
  • Massachusetts
  • Maryland
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Tennessee
  • Utah
  • Washington

If you don’t live in one of these states, then you won’t be eligible to sign up for Allstate’s Drivewise program.

How Do I Enroll and Install Drivewise?

Do you know how to install Allstate Drivewise? In most states where there’s only an app option, installation is relatively easy.

Drivewise allows the addition of all of the drivers in the household to the program. When there are multiple drivers, the information will be combined to determine the discount. Individual drivers do not each earn a discount. The discount can be earned on each vehicle in the household individually.

Additional drivers can be added to the program by requesting an activation code, which is sent via email. The driver can then use their Allstate Drivewise login, enter the activation code, and begin using the app.

The procedure is the same for non-customers to use the program and earn Allstate Rewards.

If you’re using the plug-in, it will arrive in the mail and can be plugged into the onboard diagnostic port of your vehicle. The plug-in device is attached directly to your car’s port, which is generally located somewhere under the dashboard. Allstate also provides instructions for finding the port and plugging in the device.

If you have the plug-in device, it can be unplugged.

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What Happens if you Unplug Drivewise?

The device will record the time unplugged, and it could impact your discount. If it’s unplugged for too long, this could void your agreement with Allstate and terminate your participation in the program.

In some instances, drivers have reported that the Allstate Drivewise app is not recording trips. This could be the result of a glitch. Allstate recommends rebooting the phone or even deleting and re-downloading the app. If Drivewise is still not recording trips, contact customer support.

How Are Allstate Drivewise Reviews and Complaints?

So is Drivewise worth it? Looking at the pros and cons of Allstate Drivewise shows that Allstate’s program is an innovative approach to the usage-based program insurance game.

Compared to other programs, Allstate offers a lower discount of up to 15 percent off, but it also offers other ways to save, which is a great pro of the program. While it seems like you can now only save half as much as with other programs, the reality is that drivers report an average savings of between 10-15 percent on any of the usage-based programs across the board.

The Allstate Drivewise App

Allstate Drivewise app reviews from consumers on Reddit show that drivers are usually happy with the program and that discounts are beneficial. Recent Allstate Drivewise data shows that the program changes and updates have been positive. The Allstate Drivewise forum also allows users to communicate and ask questions to resolve issues.

The three percent enrollment discount is not unusual. While some companies use the initial discount as a precursor to the actual discount after recording data, Allstate lets you keep that discount. It’s a small discount, which may be a con to some drivers, but it is added to whatever performance rewards you earn.

If you earn no performance rewards, you keep your three percent. Other companies may give you no discount at all based on driving performance. Programs like Progressive Snapshot may even lower your rates based on poor driving.

The Allstate Rewards program helps Drivewise stand out from the pack. While we didn’t delve deeply into point value, it is a nice added perk on top of policy discounts. Among the companies listed as Rewards, partners are Samsung, Ray-Ban, Nike, Gap, and Applebee’s. Allstate Drivewise customer service can help you with the Rewards program.

It’s worth noting that if you’re using the plug-in device, there may be a fee for non-return, which can be a con. The Allstate Drivewise device non-return fee could be imposed after 45 days of a requested return. The Allstate Drivewise return of device policy says that the customer has up to 45 days to return it.

In today’s mobile-driven world, people use apps for just about everything, so the convenience of this method might be more attractive. The app also gives the driver a better awareness of what’s being recorded and access to the information.

Taking Allstate Drivewise customer reviews into account, it looks like Drivewise is a pretty robust usage-based insurance program that has a lot of perks and not a lot of downsides. Existing Allstate customers can benefit from the program in multiple ways, and there is no risk of increased insurance premiums as a result.

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Is Drivewise Right for you?

The program has been around a while, so if you see Allstate Drivewise reviews from 2018, things may have improved since then.

Although the program doesn’t make promises of huge discounts, what it does offer can make a dent in premiums while also offering extra perks with the Rewards program. Since it can be turned on and off at will with a quick tap in the app, it’s likely worth giving the program a shot.

We hope our review has proven useful. Now that you’ve finished this Allstate Drivewise review, are you ready to buy car insurance? Use our FREE tool below to compare car insurance quotes from multiple companies.

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