DriveMyWay Scoring
What Does My DriveMyWay Score Mean?
The DriveMyWay score at the top of your smartphone app shows your accident risk based on your driving habits. Your score will be between 0 - 100.
- Scores closer to 0 indicate a higher accident risk
- Scores closer to 100 indicate a lower accident risk
Where Can I Find My Driving Score?
If you’re the only person on your auto policy, you can find your 12-month score at the top of the app.
If there are other people on your auto policy, you can find the 12-month score for each driver on your policy who is enrolled in DriveMyWay in the Family section of the app.
How is my driving behavior scored?
Hard Braking
Phone Use
Speeding
Behavior Scoring Variables
Hours Driven
Evening Driving
Late-night Driving
Average Speed
Number of Short Trips
How Does My Score Impact My Insurance Rate?
To calculate your policy score:
Use this chart to help you see if you’re projected to save on your auto insurance rate based on your overall policy score.*
- Add the scores for all participating drivers on your policy.
- Divide the total score by the number of participating drivers on your policy.
Note: If you have drivers on your policy who are not enrolled in DriveMyWay, that may reduce your policy score and keep you from achieving your best rate.
- Add the two scores (68 + 84 = 152)
- Divide the total by the number of drivers on the policy (152 divided by 2 = 76)
- Your overall policy score = 76
- Using the chart, a policy score of 76 is projected to give you savings on your rate!
When and How Is My Rate Calculated?
Your DriveMyWay rate impact is calculated at your next policy renewal. Keep in mind your score may change over time based on the safe driving behaviors of all participating drivers on your policy.
In addition to your DriveMyWay score, the amount you pay for insurance can also fluctuate based on other factors such as accident claims, driving violations, requested changes to your policy, discounts that were removed or planned rate increases.
I Received My Score. What Are My Options?
If you choose to continue participating in the DriveMyWay program, your personalized rate will be applied at your next renewal. If you choose to unenroll from the DriveMyWay program after the 100-day trial period ends, your driving behavior at the time of unenrollment will be used to calculate the rate applied at your next renewal.
Like your score or want to improve your score?
Decide the program isn’t right for you?
Additional Questions About DriveMyWay
Contact Your Agent
The information on this webpage represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.
*Rate will vary based on driving behavior. Unsafe driving behaviors may increase your rate. Product eligibility will vary by state, vehicle type, policy form and company underwriting the auto policy. Some restrictions may apply. The DriveMyWay rate factor applies only to these coverages, which are typical for most auto policies: bodily injury liability, property damage liability, collision and comprehensive, medical expense, and personal injury protection. Additionally, the rate factor does not apply to fixed fees that are part of the policy. To refresh your understanding of coverages, visit the Car Insurance Coverage page. Customer driving behaviors from the KnowYourDrive program were used to inform rate structure. A policy is eligible for a personalized rate once one driver has passed 90 days and 10 hours or 180 days and 30 minutes of driving. Adding or removing drivers from a policy may impact the overall score. Households where not all eligible participants on the policy are enrolled will receive a 5% introductory discount.