Allstate Drivewise review: Are drivers saving money?


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UPDATED: 2021-06-14T16:27:45.365Z
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A man driving a car.

All drivers would like to lower their car insurance rates and get the best service provider, especially if they're good drivers. One way to prove your safe driving and earn savings in the process is by enrolling in a tracking device program (also called telematics program) to receive policy discounts, such as Allstate Drivewise.

Allstate Insurance Company offers a potential discount for those who use their Drivewise program, and who prove themselves to be safe drivers based on the results from the Drivewise mobile device. The Drivewise device tracks the patterns of your everyday driving habits to determine how safe of a driver you are. Depending on your results, you could possibly save on your car insurance premium.

Allstate says it will not raise your rates if you don't prove to be a safe driver by its program's standards, unlike other car tracking device programs that could potentially end up raising your rates. You can also have multiple drivers on the Allstate Drivewise app, and all your combined data get counted together to determine your rewards.

We looked at many Allstate reviews to determine if policyholders were happy with the Allstate Drivewise program, and if they saved money using the device.

What driving habits does Allstate Drivewise monitor?

Allstate rewards good drivers with auto insurance discounts on their insurance policy if they participate in the Drivewise program. Once enrolled, the program will track your driving and measure your driving performance based on the following factors using the Drivewise mobile app.

1. Safe speeds

Allstate Drivewise monitors your speed and how fast you drive consistently. Drivewise suggests you keep your speed safely under 80 mph. It also tracks how long you drive faster than 80 mph if you do.

2. Accelerating or braking

Drivewise tracks how hard you brake or accelerate and how often. Be aware that if you're slamming on the brakes to avoid running a red light or because another driver stopped short in front of you, this will count your brake reaction time against you, even if you felt the sudden change was necessary in the situation. Extreme braking is seen as unsafe.

3. Why does the time of day you drive matter?

Allstate considers certain hours of the day to be riskier to drive during than others. Driving between the hours of 11 p.m. and 5 a.m. is considered the riskiest time to drive, and the app will track how many trips you make during these hours of the day. Drivewise also tracks the number of trips you make in total to see how frequently you drive, and at what hours you most frequently drive. It is best if you can avoid late-night driving.

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How does Allstate Drivewise work?

Allstate Drivewise was originally a driving habits monitoring program that used a plug-in telematics device to help drivers with safe driving challenges. The plug-in device works by plugging into the car's Onboard Diagnostics port (OBD-II port).

Recently, Allstate has begun to move away from using the plug-in device, preferring users to use the Drivewise mobile app. The app uses your phone's location services to track your trips and speed. It automatically detects a trip is happening when your phone has at least 25 percent battery, has location services enabled, and is going at least 20 miles per hour.

Every time you make a trip, Allstate Drivewise tracks the trip and shows you your data on the Allstate app. It records where you drove, the duration of your trip, and where your car was last parked. You can see a full list of what Drivewise tracks here.

What do Allstate Drivewise reviews tell us?

Many of the Allstate Drivewise reviews on Clearsurance are positive with customers highlighting the automatic three percent bonus just for signing up. Plus, drivers like that you don't necessarily have to be a customer to be enrolled in the rewards program. You can get rewarded through cash back or rewards like gift cards.

Most Allstate policyholders who utilized the Allstate Drivewise program said that they saved about 15 percent on their car insurance premium in total, although the program advertises that you could potentially save up to 25 percent.

A few customers complained about technical problems with the Allstate Drivewise app. One policyholder said, “Been using the Allstate Drivewise app for a while, and it just stopped working. Tech support wouldn't respond by e-mail or chat, but only by phone. The tech support seems completely unqualified and is unable to think outside of the list of basic stupid questions they've been told to go through. Very negative experience.”

If you're confident you display safe driving habits behavior, Allstate Drivewise could potentially be a great way to earn savings on your Allstate auto insurance premium. And if you're not currently an Allstate policyholder, it can be a great opportunity to switch your insurance provider earn Allstate rewards just for being a safe driver.

If you're someone who drives a lot in times like rush hour traffic or on long trips, Allstate Drivewise might necessarily save you that much money on your auto insurance policy, but Drivewise doesn't penalize you for your driving habits either.

How much will hard braking penalize you?

One reviewer complained that they didn't earn any Allstate rewards because of their hard braking due to living and driving in the city. They wrote, *“They're fine on prices and customer service, but I felt they were misleading about the Drive Safe program. It didn't help my car insurance premium, and they never told me they count "hard braking. I live in [the] city, I hard brake constantly.”**

Another customer said that they felt they were excessively penalized for hard braking. They said, “...I do not particularly like the Drivewise program. I did it once, but the device was unforgiving for feral cats, stray dogs, and random kids that contribute to hard braking. I got no discount, so I discontinued. Now Allstate offers a 3% automatic discount, which only ends up being around $18 per cycle. If I get cashback or any other worthwhile incentive, I might stick with it after this new attempt. If not, I will discontinue again because my car is spying on me and it feels weird not to be able to explain what just happened.”

Although these two reviewers had negative experiences, a majority of customers had positive experiences with Allstate Drivewise and were able to save on their car insurance premiums.

Is Allstate Drivewise worth it?

If you're a generally safe driver, Allstate Drivewise could potentially save you on your insurance premiums. Allstate Drivewise compensates its members for safe driving with cashback every six months on their insurance plans and points in the Allstate Rewards program, which can be redeemed for gift cards and other rewards.

On its website, Allstate says they offer up to 10 percent cash back just for signing up for the program and a possibility of earning up to 30 percent cash back every six months.

Most Allstate Drivewise users had pretty positive reviews of the program. One reviewer raved about it, saying, “I've never filed a claim with Allstate, so I can't write a review on that, but my experiences with them in regards to roadside service-is positive. I also like the fact that they offer a feature called Drivewise-you download the app and sign-up. It monitors your driving [and] lets [you] know where you can make improvements. You earn points that you can cash in for money, and use those points to shop and enter contests. I love it!”

Allstate Drivewise, unlike some other car tracking devices and programs, won’t raise your rates even if you don’t receive any rewards for your driving, so you could potentially earn a good amount of savings. Read more about the most popular car tracking device programs as rated by customers.

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Image source: IgorGolovniov/ shutterstock.com

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