Allstate Drivewise vs. State Farm Drive Safe and Save: Which Service Is the Best (2024)
Unleash significant savings on car insurance premiums with Allstate Drivewise and State Farm Drive Safe and Save, guiding you towards an informed coverage choice.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
UPDATED: Sep 24, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Unlocking the puzzle of insurance rates involves a careful examination of crucial factors such as credit score, mileage, coverage level, and driving record. In our comprehensive data analysis, one company consistently emerges as the top choice, tailoring its rates to varying customer profiles. Whether you possess an impeccable driving record, prioritize extensive coverage, maintain low mileage, or boast a stellar credit score. Our subheadings succinctly reveal which company aligns with your specific needs, providing a clear roadmap to the most advantageous rates across diverse customer profiles. Navigate this insightful guide to uncover the nuanced intersections of your unique attributes and insurance rates, ensuring you make the most informed decision for your coverage.
| Factor | Allstate | State Farm |
|---|---|---|
| Clean Record | $160 | $86 |
| 1+ Ticket | $188 | $96 |
| 1+ Accident | $225 | $102 |
| DUI | $270 | $112 |
| Poor Credit | $275 | $148 |
| Discount | Allstate | State Farm |
|---|---|---|
| Safe Driver | 15% | 15% |
| Low Mileage | 10% | 30% |
| Anti Theft | 10% | 15% |
| Paperless | 5% | 2% |
| Senior Driver | 5% | 10% |
| Good Student | 10% | 25% |
Allstate Drivewise
Pros:
- No Affiliation Requirement: Allstate Drivewise is available to both Allstate policyholders and non-members, offering flexibility to a wider audience.
- No Rate Increase: The program assures users that participating in Drivewise will not lead to rate increases, providing peace of mind.
- Easy Enrollment: Users can easily enroll in the program by downloading the app or obtaining the plug-in device.
Cons:
- Potential Savings Range: Some users report not achieving the maximum 30% discount, with savings more likely falling in the range of 10% to 20%.
- Phone Activity Impact: Drivewise considers phone activity, which may affect discounts. However, it can detect phone usage through telematics sensors.
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State Farm Drive Safe and Save
Pros:
- Significant Discounts: State Farm’s Drive Safe and Save program can potentially slash insurance premiums by up to 50%, offering substantial savings.
- Motivational for Safe Driving: The program’s grading system incentivizes safe driving habits by monitoring acceleration, braking, and turning, allowing users to adapt for more significant discounts.
Cons:
- Device Dependency: The program requires either a mobile app with a Bluetooth beacon or the use of the OnStar system, limiting accessibility for some users.
- Device Installation Hassle: State Farm sends a device for app users, potentially adding an extra step to the enrollment process compared to Allstate’s straightforward app download.
Allstate Drivewise vs. State Farm Drive Safe and Save – The Verdict
Considering all factors, State Farm Drive Safe and Save emerges as the superior choice for most drivers.
Significant Savings Potential: State Farm offers the potential for substantial savings, with the ability to slash insurance premiums by up to 50%. This remarkable discounting capability positions State Farm as a more lucrative option for cost-conscious consumers.
Motivational Grading System: State Farm’s Drive Safe and Save employs a grading system that monitors and rewards safe driving habits. This not only incentivizes responsible driving but also provides a clear path for users to adapt their behavior for more significant discounts. The motivational aspect of the program sets it apart in terms of encouraging positive driving habits.
Transparent Discount Structure: State Farm’s grading system, focusing on acceleration, braking, and turning, provides a transparent mechanism for users to understand how their driving behaviors impact potential discounts. This clarity enhances the overall user experience and reinforces the program’s commitment to fair and objective discounting.
Accessible to App Users and OnStar Subscribers: While there is a device requirement for app users, State Farm caters to a broader audience by offering the Drive Safe and Save program through both a mobile app and the OnStar system, providing flexibility in enrollment.
Balanced Consideration of Factors: Although Allstate Drivewise has advantages such as non-affiliation requirements and a no-rate increase guarantee, State Farm’s Drive Safe and Save outshines in terms of potential savings, motivational features, and accessibility.
State Farm Drive Safe and Save’s combination of substantial savings potential, a motivational grading system, and accessibility make it the preferred choice for drivers seeking a comprehensive and rewarding usage-based insurance program.
What Is State Farm Drive Safe And Save?
State Farm Drive Safe & Save is a telematics app-based program that measures policy discounts based on your safe driving habits. So, how does Safe and Save work? State Farm offers its usage-based insurance policy, Drive Safe and Save, in two ways. Drives can either download the State Farm Drive Safe and Save mobile app or go through an OnStar system if applicable.
With the Onstar method, State Farm requests information from OnStar to calculate your discount as part of the benefits provided by the State Farm Drive Safe and Save car insurance discount program. The mobile app can be downloaded to your phone, but it will only work if you have the Bluetooth beacon in your car. State Farm will send you this device after you enroll in the program.
Read more: State Farm Car Insurance Discounts
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What does State Farm Drive Safe and Save monitor?
The Drive Safe and Save app records:
- Sharp increases in speed
- Hard braking
- Sharp, risky turns
- The number of miles driven each year
- Speed over 80 mph
- Time of day
- Location
The OnStar system only records information it can gather from your odometer.
How Do You Save With State Farm Drive Safe And Save?
State Farm Safe and Save uses all the data collected and applies it to a rate that will kick in at your renewal date. They use a grading system to help you decipher whether you’re a risky driver or not. This system can help you monitor and adapt your driving so you can see more significant discounts.
Similar to Allstate, the Drive Safe program grades your driving habits. With State Farm Drive Safe and Save, grades are determined for three categories: acceleration, braking, and turning. What are Drive Safe and Save grades? Just State Farm’s term for points.
Who is the Drive Safe and Save program a good option for?
The obvious answer is safe, responsible drivers. If you know that you are a consistent, safe driver that takes short, brief trips, your discounts can drastically drop your premium cost. Usage-based insurance rates can also be motivators for less-safe drivers. You can watch your cost lower as you drive safer.
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What Is Drivewise From Allstate?
Drivewise is a discount program with Allstate that encourages drivers to practice safe driving. You have the option to either download the Allstate Drivewise app or obtain the plug-in device to participate in the program. By doing so, the Allstate Drivewise car insurance discount will be initiated, and the program will begin calculating potential reductions in your car insurance premiums.
On average, drivers save between 15% and 20%; the maximum savings is 30%, and your driving score won’t be held against you.Anyone, even nonmembers, can download this free app through Allstate. Drivewise, like its competitor State Farm, uses telematics to calculate driver discounts.
Can Allstate Drivewise raise your rates?
Through the app, Drivewise gathers rewards points for safe driving. After your initial 10 percent discount for signing up, Allstate evaluates drivers on a rolling basis. Drivers will see rewards every six months of safe driving. “Safe driving” to Allstate means:
- Driving at safe speeds
- Not slamming on the brakes
- No late-night driving
Phone activity does affect Allstate Drivewise, however, the app can tell when you are using your phone while driving using the sensors and algorithm of telematics. Drivewise can also determine if you’re the driver or not.
The app starts tracking your driving after you’ve driven a short distance with travel speeds higher than 20 miles per hour. For it to work, your phone must be charged at least 25%.
Is Allstate Drivewise worth it?
One cool perk about Allstate Drivewise is that you do not have to be an Allstate policyholder to use the app. Other Allstate Drivewise reviews complain that drivers don’t usually achieve the maximum 30% discount. Drivers say that savings are more likely to be range between 10% to 20%.
Can Allstate Drivewise raise your rates? No, which is another perk to this program. You can either save money or pay your regular premium no harm is done. Other than that, if you already have Allstate, you might as well enroll in the app and see if you can save some money.
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Keep Track of Your Driving
As we’ve found, usage-based insurance policies can not only save you money but can save you from dangers on the road.
Whether you’re looking for serious discounts, or just seeing what you can get, either option will reap some good savings. However, State Farm’s discounts could slash your insurance premiums in half, whereas Allstate’s best discount is 30%.
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Frequently Asked Questions
What are Allstate Drivewise and State Farm Drive Safe and Save?
Allstate Drivewise and State Farm Drive Safe and Save are both car insurance programs that use telematics to track your driving behavior and offer potential discounts on your insurance premiums.
How do these programs work?
Both programs use a device that plugs into your car’s diagnostic port or a mobile app to collect data on your driving habits, such as your speed, braking, and acceleration. Based on this data, the programs may offer discounts on your car insurance premiums.
How much can you save with Allstate Drivewise and State Farm Drive Safe and Save?
The amount you can save depends on your driving behavior and the discounts offered by your insurance provider. On average, drivers can save up to 10-25% on their premiums with these programs.
Are there any fees associated with participating in Allstate Drivewise or State Farm Drive Safe and Save?
There are no fees to participate in either program, but some states may charge a fee for the device used to track your driving behavior.
What types of driving behavior do these programs track?
These programs track various driving behaviors, including your speed, braking, acceleration, and the time of day you drive.
Do Allstate Drivewise and State Farm Drive Safe and Save track your location?
Both programs track your location, but they do not share your location data with third parties without your permission.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.