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KnowYourDrive®
Control What You Pay
Save up to 20%

Take control of how much you pay for car insurance and become a safer driver in the process with KnowYourDrive — our free usage-based insurance program. Oh, and if saving and safety aren’t exciting enough, you could qualify for a no-cost Travel Peace of Mind Package when you sign up for KnowYourDrive!*

Get started now and save based on your driving behavior!

KnowYourDrive

Use the KnowYourDrive App and Take Control of What You Pay

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

  • Save up to 20% on car insurance costs**
  • Get a 10% introductory discount just for signing up, then up to 20% based on your driving behavior
  • Start using the program at any time — drivers of all ages and in all states qualify
  • There’s no financial risk or commitment for downloading the app — it’s completely free
  • Your car insurance rates will not go up based on your monitored driving behavior
  • Emergency Roadside Service is included at no cost as part of our Travel Peace of Mind package for KnowYourDrive program customers

  1. Imagine if you could take control of what you pay for car insurance with KnowYourDrive, you can. KnowYourDrive is an auto insurance discount program from American Family Insurance 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 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 a 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 piece of mind package just for participating in KnowYourDrive. Plus, the KnowYourDrive app is free to download and easy to use.

    The app tracks your driving habits, such as how frequently your vehicle slows or stops abruptly, how much time you spend driving over the speed limit, and if you engage in distracted driving habits such as texting while driving. 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. At-a-glance reporting shows how the other drivers on your policy are contributing to your discount. Plus, insights into your driving habits encourage you to avoid distracted driving. Remember, putting your phone down and going hands-free for your music, calls, navigation and more can help to boost 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.


How to Save Up to 20% on Your Car Insurance

Step 1

Enroll and Download the App

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

Step 2

Drive

The KnowYourDrive app will monitor your driving behavior for braking, speed and other important actions. The safer you drive, the more you can save money on your car insurance premium.

Step 3

Save on Your Premium

We'll use the information based on your driving behavior to determine your discount, which ranges from 2% to 20%. Don't worry, your rate will never go up based on us tracking your driving behavior, and you can improve your discount at renewal.

#1 In Customer Satisfaction

American Family Insurance is proud to announce we’ve been named #1 in Customer Satisfaction with the Auto Insurance Shopping Experience Among Midsize Insurers in the J.D. Power 2021 Insurance Shopping Satisfaction Study. You asked us for a better way to shop for affordable auto insurance — and we delivered.


JD Power award image


Protection on Every Journey

No matter where the road takes you, the Travel Peace of Mind Package from American Family is there to keep you protected. Featuring four essential coverages, you can travel confidently knowing you will be taken care of if you experience a bump in the road. All at no additional cost to you.

Here’s what the Travel Peace of Mind Package includes:

  • Emergency Roadside Service
  • Rental Reimbursement
  • Road Trip Accident Accommodations
  • Accidental Death and Dismemberment Benefits

How can you qualify? Simple! Just enroll in KnowYourDrive. For as long as you participate, you’ll get a FREE Travel Peace of Mind Package for each eligible vehicle on your American Family Insurance family car policy including both collision and comprehensive coverage.



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.

  6. Yes! As part of Travel Peace of Mind — the free package included with your KnowYourDrive membership — you’ll receive the following benefits:

    • Emergency Roadside Service
    • Rental Reimbursement Coverage
    • Road Trip Accident Accommodations
    • Accidental Death & Dismemberment

Drive Safer, Smarter & Save

Save up to 20% on your car insurance with KnowYourDrive.

For J.D. Power 2021 award information, visit jdpower.com/awards

*Subject to state availability or approval.

*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.

**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 and personal injury protection. To refresh your understanding of these coverages, visit www.amfam.com/insurance/car/coverages. Additionally, the discount does not apply to fixed fees that are part of your policy.

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