American Family KnowYourDrive review


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Written by
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Reviewed by
Licensed Auto Insurance Agent
UPDATED: 2019-12-18T22:03:45.515Z
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KnowYourDrive app

Do you feel like you don’t have a lot of control over your car insurance rates? That could change with American Family’s usage-based insurance program called KnowYourDrive, which tracks your driving habits so you can save money. You can save up to 20 percent on your American Family car insurance policy with KnowYourDrive, and you get a 5 percent participation discount when you enroll. The safer a driver you are, the more you can save.

KnowYourDrive tracks your driving behavior through a mobile app, gives you a score based on how safe of a driver you are and offers you a discount on your car insurance policy based on your score. Your premiums will never increase because of your driving habits when you use KnowYourDrive, unlike some other driver tracking programs. Your KnowYourDrive discount is based on the score you earn as the app tracks your trips. The lowest discount available with American Family KnowYourDrive is 2 percent.

How does KnowYourDrive work?

KnowYourDrive uses a mobile app that runs in the background on your smartphone to monitor your driving and offer you a discount based on your driving. The app has the ability to track many things including your speed, acceleration, braking, driving frequency and distracted driving. KnowYourDrive gives you a score from 0 to 100 with 100 being the best based on your driving habits. Your KnowYourDrive discount is based on your score. Your score updates after every trip you take within 5 to 10 minutes of completing a trip.

In the KnowYourDrive app, you can see an overview of your driving, your trips and your score. You can also see how your driving actions have affected your score. The KnowYourDrive app can help you become a safer driver by making you aware of your driving habits and how you can improve them.

KnowYourDrive uses technology to determine when you’re driving. It can differentiate between when you’re driving a car, when you’re a passenger and when you’re using another form of transportation. However, if the app incorrectly assigns a trip, you have 5 days to fix that in the app.

The KnowYourDrive app does use a small amount of your phone’s battery while running in the background and slightly more while you’re taking a trip. Although American Family reports that most people don’t notice a difference in the battery life of their phones when using KnowYourDrive, it recommends plugging your phone into a power source to charge while driving if you have an older phone or if you’re taking a long trip.

The KnowYourDrive app requires a smartphone. Apple devices must be iPhone 5 or newer with iOS 9.0 or later. Android devices must be Android 4.3 and up. American Family reports that on average the app uses 60-70 megabytes of data per month, but this varies based on how much you drive. The app tries to upload data via Wi-Fi whenever possible, but it may need to use data if Wi-Fi isn’t available.

In order to maintain your KnowYourDrive discount, all drivers on your American Family car insurance policy must be enrolled in KnowYourDrive and have the app on their smartphone. KnowYourDrive is an entirely optional program and you can voluntarily opt-out of it any time after you sign up. If you opt-out, you will lose your KnowYourDrive discount.

What driving habits does KnowYourDrive monitor?

The KnowYourDrive app monitors aspects of your driving behavior that affect your safety as a driver. American Family’s KnowYourDrive monitors the following things, which affect your KnowYourDrive car insurance discount.

1. Driving frequency

Your driving frequency is how often you drive. Drivers who drive less miles than others, have less of a chance to be in a car accident or have a car insurance claim. KnowYourDrive tracks all your driving trips you take and their duration.

2. Braking

Hard braking signifies that you aren’t paying attention and have less time to react to a situation when driving. Hard braking incidences on driving trips can negatively affect your KnowYourDrive score. KnowYourDrive tracks how smooth your braking is.

3. Acceleration

KnowYourDrive also tracks how smooth and quick your acceleration is, or how fast you speed up or slow down. Smoother acceleration means a higher KnowYourDrive score and discount.

4. Speed

KnowYourDrive tracks your speed and notifies you in the app on your trip details when you had incidences of high speed or low speed. Speeding is a dangerous driving habit.

5. Distracted driving

The KnowYourDrive app can detect when you pick up your phone and use it while driving by using your phone’s sensors. Distracted driving is a very risky driving behavior. The app reports when in your trip you were distracted by your phone.

6. Time of day

Certain times of day can be safer to drive than others. It’s usually considered riskier to drive late at night or in the early morning hours. KnowYourDrive tracks what time of day you drive.

Is KnowYourDrive worth it?

For safe drivers, KnowYourDrive is a great program to help you save money on your American Family car insurance policy. You can earn a discount between 2 and 20 percent off your car insurance rates. Safe drivers will save more money based on the score earned in the KnowYourDrive app.

KnowYourDrive can also help you become a safer driver. The KnowYourDrive app gives you reports of your driving trips, and it indicates when you have incidences of risky driving. It makes you more aware of your driving habits to help you improve and become a safer driver.

Also, your car insurance rates can’t increase with the KnowYourDrive program. It may be beneficial to try the KnowYourDrive program to see if you can earn a significant discount and help you become a safer driver. You can opt out of the program if you don’t want to participate any longer. Just be sure you know how American Family is using your data. It’s best to always be careful with anything that collects your data. Be sure to check the KnowYourDrive privacy policy.

To learn more about American Family, check out American Family reviews.

Have you used the KnowYourDrive program? Leave a comment below to let us know what you think of KnowYourDrive and if you were able to save money on your car insurance.


The imagee in this post is from American Family's KnowYourDrive page.

The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice. This site should not be used as a substitute for obtaining legal advice from an insurance company or an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author and may not reflect the opinions of the insurance company or any individual attorney.

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