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KnowYourDrive Smartphone App

Take control of what you pay for insurance.

At American Family Insurance, we want to give you more control over how much you pay for car insurance — and help you become a safer driver in the process. That’s why we’re offering free access to our innovative driving technology, KnowYourDrive. It’s a usage-based insurance program that offers a discount based on how safe a driver you are.

Jump In the Driver's Seat & Save

By using the KnowYourDrive app, you'll get a close look at your driving behaviors and free access to tools that'll help you learn better driving habits and keep your costs down.

It's all about giving you more control over your costs and making the roads safer at the same time.

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So How Does it Work?

It’s simple — you’ll download the KnowYourDrive app and it’ll monitor your driving behavior, from braking to speeding and other important actions. This program is designed to benefit you by helping you form smarter driving habits — which ultimately can help you save money!

Enroll & Download the App

Enroll in KnowYourDrive and download the App to get started. You'll receive a 5% discount just for signing up.


The KnowYourDrive app and it'll track your driving behavior, from braking to speeding and other important actions. The safer you drive, the more you can save money on your car insurance premium.

Save on Your Premium

We'll use that information to determine your discount, which ranges from 2 to 20 percent based on your driving. And don't worry, your rate will never go up based on us tracking your driving behavior, you can stop the program at any time and it's completely free.

Let’s Take a Closer Look at the App

KnowYourDrive Policy DiscountKnowYourDrive Recent TripsKnowYourDrive Safe Driving TipsKnowYourDrive Distracted Driving

Current Policy Discount, Driving Screens & Drivers on Policy

See that number? That’s your discount! This number will flex based on your driving behavior throughout your policy term and eventually be applied during your policy renewal. So you have time to maximize your discount for more savings!

Here’s also where you can track all the drivers on your policy and take a closer look at each driver’s behaviors, including hard brakes, high speed and rapid acceleration. This is where you’ll get an in-depth look into how your actions affect your discount. We want to be as transparent as possible so you know exactly which areas you need to improve upon to get your discount up.

Recent Trips

The app tracks your trips and provides details for each time you hit the road. So whether it’s a short trip across town or a longer road trip with friends, you can check your behavior and see where you did well and where you could improve. It’s up to you to make safe driving choices — we’re here to provide positive feedback and reinforcement. Oh, and that discount.

Safe Driving Tips

Our articles get you in the know about things you can do to become a safer driver. From tips for preventing distracted driving to winter driving best practices, we’ve got an arsenal full of resources to help you bump up your discount.

Distracted Driving

Sending a text, fiddling with music, even entering an address into that nifty GPS on your phone — distracted driving is doing anything that takes your attention away from the task of driving. The KnowYourDrive app puts a spotlight on your risky behaviors by tracking your distracted behavior when you’re driving. Distracted driving isn’t included when calculating your discount, but you can still challenge yourself and see how many trips you can get a distraction-free approval checkmark!

Want to Maximize Your KnowYourDrive Discount?

Follow our tips:

Go easy on the pedal. Limit accelerations and hard braking, which are two big factors when determining your discount.

Skip the late night drives. Road conditions can be dangerous late at night, especially between 12 a.m. to 4 a.m. Keep your night driving to a minimum to avoid hazardous situations.

Become a low-mileage driver. Save more by limiting your driving time altogether. Hop on a bike, carpool or take public transportation. It’s good for the environment too!

KnowYourDrive FAQs

  1. Your insurance premium will not increase due to your participation in KnowYourDrive Smartphone program. The discount percentage can fluctuate over time depending on your driving behavior and will be adjusted at renewal. Additionally, it's good to remember that there are multiple factors that impact your premium, causing it to go up or down. Discounts like this one can only help.
  2. Most smartphones with an iOS (Apple) or Android operating system should work. If the phone is too old to be updated to the most current version of the operating system it will be at risk of being incompatible with the KnowYourDrive app. The phone must have proper sensors, which may include a gyroscope and accelerometer. On average, the app uses 60-70 megabytes of data per month, though this varies depending on the actual driving time.
  3. KnowYourDrive uses cutting edge technology that analyzes a bunch of aspects of your driving and behavior to identify whether you’re a driver in a car, a passenger in a car, or traveling via some other mode of transit.
  4. The KnowYourDrive discount applies only to variable components of your car insurance coverage (in other words, not the fixed fees that are part of a policy), which are typical for most auto policies: bodily injury liability, property damage liability, collision and comprehensive, medical expense and personal injury protection. Also, there are always other factors that can affect your premium, causing it to go up or down. But discounts like this one always help!
  5. You can voluntarily opt out of the program by choosing the “Opt Out” option in My Account or by contacting your agent.

View All KnowYourDrive FAQs >

*Discounts will vary based on driving behavior. The KnowYourDrive discount applies only to these coverages, which are typical for most auto policies: bodily injury liability, property damage liability, collision and comprehensive, medical expense, underinsured and uninsured and personal injury protection. Additionally, the discount does not apply to fixed fees that are part of your policy.

Existing Customer?
Contact your agent to enroll in KnowYourDrive. Click here to find your agent.
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