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KnowYourDrive

Usage Based Car Insurance With KnowYourDrive® 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 smartphone app, KnowYourDrive. It’s a usage-based car insurance program that offers up to a 20% discount based on how safe a driver you are. Enroll in KnowYourDrive today to get a 10% introductory offer.

Enroll in KnowYourDrive today and you could qualify for a FREE Travel Peace of Mind Package!+

Jump In the Driver's Seat & Save Up to 20%

By using the KnowYourDrive smartphone 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. Watch our video to learn more about KnowYourDrive and how our usage-based insurance program works.

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  1. Imagine if you could take control of what you pay for car insurance. With KnowYourDrive, you can. KnowYourDrive is American Family Insurance's usage-based insurance program that offers a discount based on how safe a driver you are. It gives you a closer look at your driving behaviors and free access to tools that will help you learn better driving habits and keep your costs down.

    How does it work? It's simple. The safer you drive, the more you can save. Up to 20% discount on your car insurance premium. When you enroll, you’ll automatically start with a 10% discount. As a bonus, you could qualify for a FREE Travel Peace of Mind Package just for participating in KnowYourDrive! Plus, the the KnowYourDrive app is free to download and easy to use.

    The app tracks your driving habits, such as how frequently your vehicle starts and stops abruptly, how often you accelerate quickly while driving or after a stop, and how much time you spend driving at high speed. Then that information helps us determine the discount on your premium. Within the app, your current discount will be front and center each time you launch the app. An interactive map breaks down how often you drive with risky behavior for each trip. Helpful tips keep safety top of mind. You can even see how other drivers on your policy are contributing to your discount.

    Note that your rate will never go up due to your enrollment in KnowYourDrive. The app only affects the size of your discount on your premium- the safer you drive, the more you can save. To continue having your new discount applied at each policy renewal, you'll need to stay enrolled in KnowYourDrive. It's that easy. Plus, each driver on your policy can also participate in the program. And if you ever want to opt out of the program, just choose the "Opt Out" option in My Account, or contact your agent.

    Ready to take control of what you pay for car insurance? Contact your Agent to enroll in KnowYourDrive today!

So, How Does the KnowYourDrive Program 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 usage-based car insurance program is designed to benefit you by helping you form smarter driving habits — which ultimately can help you save money!

What are the requirements?

To qualify for KnowYourDrive, you must be insured with an American Family car insurance policy. You can start using the program at any time and drivers of all ages and from all states qualify. Not all drivers under the same household or policy have to participate in the program.

For new customers

Interested in KnowYourDrive? Need car insurance? Our agents are happy to help you find the car insurance option best for you, and can help you enroll in the KnowYourDrive program. Find an agent to get started.

Enroll & Download the App

Enroll in KnowYourDrive and download the App to get started. You'll receive up to a 10% discount just for signing up.**

Drive

The KnowYourDrive app will monitor 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 the information based on your driving behavior to determine your discount, which ranges from 2 to 20 percent. And don't worry, your rate will never go up based on us tracking your driving behavior, you can stop this usage-based insurance program at any time and it's completely free.

Using the KnowYourDrive App

Here’s everything you need to know about the KnowYourDrive app, its different features and how it monitors driving behavior to calculate discounts.

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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 KnowYourDrive 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.

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!

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.

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 the KnowYourDrive Smartphone program. The discount 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 KnowYourDrive program by choosing the “Opt Out” option in My Account or by contacting your agent.

View All KnowYourDrive FAQs >

Ready to save more with the KnowYourDrive program? Connect with an American Family Insurance agent to enroll now.

*Program discounts will vary based on driving behavior. The KnowYourDrive discount applies only to the following variable 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.

+Eligibility and approval standards for the Travel Peace of Mind Package apply for each vehicle. Average value of package varies by state, underwriting company and specific policy terms. Contact your agent for details. Travel Peace of Mind Package is not available in WA.

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