American Family KnowYourDrive Review for 2021

The American Family KnowYourDrive app tracks driving habits like speeding and hard braking and can save you up to 20 percent on your American Family car insurance. The American Family KnowYourDrive discount also includes a 10 percent discount just for signing up, and additional discounts are based on your safe driving score.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Feb 11, 2021

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A Concise Overview

  • KnowYourDrive uses telematics to evaluate your driving habits
  • Safe driving can get you up to a 20 percent discount
  • You get a 10 percent discount just for signing up

American Family KnowYourDrive is a usage-based insurance program that evaluates your driving and offers discounts based on that score. You can save up to 20 percent for your safe driving skills, and you even get an extra 10 percent off when you sign up for the program.

These discounts sound great, but you should still shop around before you buy American Family KnowYourDrive auto insurance. Enter your ZIP code now to compare quotes for free.

What is American Family KnowYourDrive?

The KnowYourDrive app uses telematics to track your driving habits and offer you a discount based on how well you drive. The app runs in the background on your phone and looks at habits including:

  • Driving frequency
  • Hard braking events
  • Fast acceleration
  • Speed
  • Distracted driving
  • Time of day you drive

These variables combine to show the insurance provider how much of a risk you are. For example, if you are driving with a lot of hard braking and fast acceleration during rush hour, you are more likely to be in an accident.

You are then given a safety score based on your driving habits, which then turns into the American Family KnowYourDrive discount you are offered.

One of the main benefits of telematics, according to the Insurance Information Institute, is that it offers instant feedback, allowing you to easily change your driving habits.

The only requirement is that you have American Family insurance, and KnowYourDrive is only offered in the 19 states that offer American Family auto insurance coverages.

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Is KnowYourDrive from American Family worth it?

There are many positives to trying the KnowYourDrive program, including:

  • A 20 percent discount can equal big savings if you are a safe driver.
  • Your rates won’t go up if you have poor driving habits, which means American Family KnowYourDrive rates will either be the same or lower.
  • It’s free to sign up and there’s no equipment needed. You just have to download the app.
  • Participating in the program will make you more aware of the way you drive, thus making you a safer driver.
  • While you are signed up for the KnowYourDrive program, you will also get the Travel Peace of Mind Package for free and includes roadside assistance, rental car reimbursement, road trip accident accommodations, and accidental death and dismemberment benefits.

The only drawback we can see is that a bit of your data is used when using the app. You could wind up wasting a lot of money on your cell phone bill if you do not have a decent data plan.

Using KnowYourDrive is a great way to save money and improve your driving skills. Affordable American Family KnowYourDrive auto insurance is one way to lower your insurance costs.

There are many other competitors out there, such as Allstate’s Drivewise or Liberty Mutual’s RightTrack, so shop around to find the best fit for you.

American Family KnowYourDrive quotes aren’t available online since they’re based on data from drivers. But usage-based insurance isn’t the only way to save. Enter your ZIP code now to get fast, free auto insurance quotes right now.

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