Personalized car insurance: choose your savings, your way
Program choice + flexibility
Life’s better when you have options. Under our roof, you can personalize your auto insurance for every driver in your home. Choose the program that fits each lifestyle — all on one policy.
–DriveMyWay: Save more based on your driving habits. The safer you drive, the more you save.
–MilesMyWay: Save more when you drive less.
Combine both programs for personalized savings on your auto policy and low-mileage vehicles.
When it comes to auto insurance, shouldn't you be in the driver's seat? With our usage-based insurance options, you can steer your way to a personalized rate.
Usage-based insurance gives you more control over what you pay, based on either your driving habits, or how many miles you drive. In other words, you only pay your fair share.
We offer two programs to choose from.
DriveMyWay is based on your safe driving habits. You could save between 10% and 35%, and getting started is easy.
Once you enroll, you'll receive a text message to install the DriveMyWay app on your smartphone, then, you just start driving.
You can check your progress in the app at any time, and see your latest safe driving score.
DriveMyWay even provides smart tips to improve your score and savings. Continue to boost your safe driving habits to potentially save more.
Or, you can choose MilesMyWay, our program that rewards lower mileage drivers, helping you save up to 25%.
With MilesMyWay, the less you drive, the more you could save. Simply snap a photo of your odometer prior to each renewal, and we'll use your latest mileage to determine your savings.
MilesMyWay may be a great fit if you work remotely, have a short commute, or are retired.
So if you want to get rewarded for your low mileage driving, you could save up to 25% with this easy program.
Ready to take the next step? Contact your American Family Insurance agent today to learn how you can personalize your auto rate and take control over what you pay.
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How usage-based insurance (UBI) works
Personalize your rate with American Family’s UBI programs.
–DriveMyWay: Use an app to understand your driving habits and personalize your rate. Safer driving = bigger savings. Take it for a spin with 99 trips before deciding if you want to keep it.
–MilesMyWay: Rewards low-mileage drivers with savings up to 25% for driving 20 miles/day or less. (About 8,000 miles annually)
Enroll in one or both programs on your policy — depending on each driver’s need — to maximize your family’s personalized auto rate.
About DriveMyWay
DriveMyWay is a usage-based car insurance program that uses an app to personalize your rate based on your driving habits. The safer you drive, the more you may save. Once enrolled, you have 99 trips to try it out.
Learn more about DriveMyWay
Did you know...
About MilesMyWay
MilesMyWay rewards low-mileage drivers. If you drive 20 miles or less per day — you could save up to 25% on your auto policy. Just upload your odometer photo — no app or device required.
Learn more about MilesMyWayWhat makes us different?
- Unique to American Family: MilesMyWay rewards you with savings on your base rate for low mileage—rather than pay-per mile, the less you drive the more you could save.
- Transparency & control: Know exactly how your rate is personalized based on your low mileage. Only pay your fair share.
Compare personalized car insurance options
Highlights | DriveMyWay | MilesMyWay | Program choice + flexibility |
|---|---|---|---|
Enrollment discount | 15%* | 10%** | Personalized discounts for each type of driver on your policy* |
Potential savings details | 10% - 35%* | Up to 25%** | Opportunity to get a truly personalized rate based on both your driving habits and low mileage |
Program goal | Get personalized auto insurance rates based on your driving habits. | Control how much you pay for car insurance based on your low mileage | Gain insights so you can personalize what you pay for auto insurance based on your driving habits and low mileage |
Getting started | Download and open the free DriveMyWay app to set up | Using your enrollment link, snap and upload a photo of your enrolled vehicle’s odometer | Use the DriveMyWay app to gain driving insights and submit your odometer photos for MilesMyWay. |
Other UBI-program benefits |
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| Get all the benefits of both programs! |
Who benefits from UBI flex choice?
- New car owners
- Drivers seeking more transparency and control
- Households with low-mileage drivers
- Anyone looking to personalize what they pay for car insurance
Personalized car insurance resources
Enroll today
Do it yourself
*DriveMyWay plans & discounts may vary by state. 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 data from the DriveMyWay & KnowYourDrive programs were used to inform rate structure. If you choose to unenroll anytime after the trial period ends, we’ll use your latest program score when calculating your rate at future renewals.
**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. Availability varies based on the way you purchase insurance and by state. Exclusions may apply. High Mileage may increase your rate: if you drive more than 20 miles per day on average (or more than 8000 miles annually).