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American Family KnowYourDrive Review: How Much Can You Save (2021)

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Feb 22, 2021

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Key Takeaways

  • KnowYourDrive is a free car insurance program from American Family Insurance
  • This program promotes safer driving by tracking things like excessive speed and sudden stops
  • As you improve your driving behaviors, you earn discounts on your car insurance

If you are looking for cheap car insurance and your current policy is with American Family insurance, the KnowYourDrive program may be for you.

The American Family KnowYourDrive program is designed to help customers save money by promoting good driving habits.

Keep reading to learn more about how much you can save, how it works, and more.

Wanting to find more affordable car insurance rates near you? Enter your ZIP code above and check out some of the best providers available.

What is KnowYourDrive?

The American Family Insurance KnowYourDrive is a program designed to promote better driving behaviors and save money on all sides.

The program uses an app installed on any current smartphone to track your driving and provides you a rating at the end of every month.

As you learn to drive more safely, your rating will improve, and with it, your discount will grow.

This means that just by driving safely, you will be saving money. We’ll go over what constitutes safer driving behaviors a little further down.

How much can I save with American Family KnowYourDrive?

According to American Family Insurance, you can earn up to a 20% discount on your American Family car insurance quotes. The discount will be applied to the policy but not to any fees included in the policy.

The discount can be applied to the following insurance types:

  • bodily injury liability
  • property damage liability
  • collision and comprehensive insurance
  • medical expense
  • underinsured and uninsured
  • personal injury protection

The minimum discount that the program can provide is two percent, which will only grow as you follow the guides for safer driving promoted by the app.

How does KnowYourDrive work?

American Family car insurance designed the KnowYourDrive program to encourage its customers to drive more safely. To do that, the program uses an app that can be installed on most smartphones.

The app then tracks a whole host of driving behaviors to determine how safely you are driving and where you can improve.

To earn your discount, you need to employ several safer driving strategies. The app tracks numerous bad behaviors to help make you aware of them. Some of the behaviors the app will track are:

  • Distracted Driving
  • Sudden braking
  • Sudden acceleration
  • Driving late at night or in the evening
  • High Speeds (80mph or more)

Each of these things is tracked based on their relationship to an increased likelihood of car crashes. Distracted driving and speeding are some of the most dangerous behaviors that are tracked using these methods.

In fact, according to the Insurance Information Institute, 16.7% of fatal crashes in 2018 were caused by driving too fast.

How do I get KnowYourDrive?

If you are already an American Family auto insurance customer, contact your local agent, or go online, and you can add the KnowYourDrive program onto your existing policy. See the effect it might have on your American Family car insurance rates.

If you have car insurance with a different provider, contact your agent or go online to see if they have a comparable program, such as Progressive’s Snapshot or Farmers Insurance’s Farmers Signal.

Do you need more of a discount than the KnowYourDrive program can provide? If you are in the market for a new provider, enter your ZIP code below, and we will pull up rates in your area.

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