Take Control of Your Savings
Choose the Right Program for You
Usage-Based Car Insurance Programs
We offer two types of programs designed to help you save:
- Personalize your rate by practicing safe driving habits — pay how you drive
- Earn more savings by driving fewer miles — pay as you drive
Drive Safe, Save Money: Pay How You Drive
Practicing good driving habits can give you more control over what you pay for car insurance and keep the roads safer at the same time.
It's a win-win!
American Family offers two safe-driving savings programs, depending on where you live.
- Safe drivers who don't speed and don't often slam the brakes.
- Responsible drivers who don't text or play with their phones while driving.
- Anyone who wants to improve their driving skills and save money on car insurance!
DriveMyWay is our new pay-how-you-drive program that personalizes your auto insurance rate based on your safe driving behaviors. The safer you drive, the more you can save!
- Enroll today and enjoy up to a 10% introductory discount on your car insurance.*
- Show off your safe driving skills and you could earn even greater personalized savings, applied at your next policy renewal.
- Most customers actively enrolled in the program will save between 5% and 20%!*
Drive Less, Save More: Pay As You Drive
MilesMyWay is American Family's pay-as-you-drive personalized insurance program for low-mileage drivers. If you drive less than 8,000 miles each year, this usage-based insurance program may be a great fit!
With MilesMyWay, you're empowered to earn savings based on how many miles you drive. When you drive fewer miles, you can earn greater savings — up to 25% savings each month!*** This means you'll only pay what's fair, based on your actual mileage.
- People who drive less than 8,000 miles per year
- Individuals who work remotely or use public transportation often
- Empty nesters or people who no longer work
- Younger drivers, including college students
- People with a car they rarely drive
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. 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. If you unenroll drivers after the 100-day trial period ends, we’ll still use their driving behavior at the time of unenrollment when calculating your rate.
**Discounts will vary based on driving behavior. The KnowYourDrive discount applies only to these 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 of your policy. To refresh your understanding of coverages visit the Car Insurance Coverage page. Additionally, the discount does not apply to fixed fees that are part of your policy. The KnowYourDrive program is not available in Utah. Travel Peace of Mind package not included with KnowYourDrive in Washington state.
***MilesMyWay savings apply 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 savings do not apply to fixed fees that are part of your policy. Savings are applied to the vehicle-specific premium, not a customer’s overall premium. Shortened version: MilesMyWay savings apply only to variable coverages. Additionally, the savings do not apply to fixed fees that are part of your policy. Savings are applied to the vehicle-specific premium, not a customer’s overall premium.