Allstate Drivewise vs. Geico DriveEasy: Which Service Is the Best (2024)
Explore the nuances of usage-based insurance programs, comparing Allstate Drivewise vs. GEICO DriveEasy, as we unravel the intricacies of telematics technology to optimize savings and cultivate safe driving habits.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Nov 4, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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In the complex landscape of insurance, finding the right coverage at the best rates hinges on a myriad of factors, from credit score and mileage to coverage level and driving record.
Our comprehensive data analysis reveals a nuanced comparison among leading insurance companies, showcasing how these variables influence rates. Whether you prioritize a stellar credit score or maintain a conservative mileage, understanding how each company caters to diverse customer profiles is key. Join us as we decipher the data table, providing valuable insights to help you navigate the intricacies of insurance rates and identify the most advantageous options tailored to your unique circumstances.
| Factor | Allstate | Geico |
|---|---|---|
| Clean Record | $160 | $80 |
| 1+ Ticket | $188 | $106 |
| 1+ Accident | $225 | $132 |
| DUI | $270 | $216 |
| Poor Credit | $275 | $138 |
| Discount | Allstate | Geico |
|---|---|---|
| Safe Driver | 15% | 15% |
| Low Mileage | 10% | 12% |
| Anti Theft | 10% | 23% |
| Paperless | 5% | 8% |
| Senior Driver | 5% | 10% |
| Good Student | 10% | 22% |
Allstate Drivewise
Pros:
- Potential Savings: Allstate Drivewise offers discounts of up to 30% for safe driving behaviors.
- User-Friendly App: The Drivewise app is free and easy to use, allowing drivers to monitor their driving habits effortlessly.
- Immediate Rewards: Drivers can receive cashback rewards every six months for safe driving.
Cons:
- Limited Coverage: Availability may vary by state, limiting access for some potential customers.
- Battery Dependency: The app requires a minimum phone battery level (25%) to function, potentially affecting users with low battery life.
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Geico DriveEasy
Pros:
- Usage-Based Discounts: Geico DriveEasy offers personalized discounts based on driving habits, potentially resulting in lower premiums.
- Comprehensive Telematics: Utilizes telematics technology to track and reward safe driving practices.
- Accessibility: DriveEasy is available to eligible Geico policyholders in various states.
Cons:
- Penalties for Risky Driving: Reckless driving may result in increased premiums, making it less suitable for high-risk drivers.
- Distracted Driving Tracking: The app tracks activities like phone use, potentially penalizing drivers for non-driving-related actions.
Best Overall: Allstate Drivewise
When evaluating Allstate Drivewise and Geico DriveEasy based on their offerings and potential benefits, Allstate Drivewise emerges as the superior choice. While both programs use telematics to promote safe driving habits and offer discounts, Allstate Drivewise takes the lead in several key aspects.
Higher Potential Savings: Allstate Drivewise boasts a potential savings of up to 30%, surpassing the savings offered by Geico DriveEasy. This significant difference can make a substantial impact on policyholders’ overall insurance costs.
Immediate Cashback Rewards: Allstate Drivewise provides an added incentive with immediate cashback rewards for safe driving every six months. This feature enhances the overall value proposition, offering tangible benefits to users in a shorter timeframe.
User-Friendly Experience: Allstate Drivewise’s user-friendly app and straightforward approach make it easy for drivers to monitor their habits and actively participate in the program. The simplicity of the app contributes to a positive user experience.
Comprehensive Coverage: While both programs have their coverage limitations, Allstate Drivewise’s potential for higher savings and immediate rewards makes it a more attractive option for a wider range of drivers.
When considering rates, potential savings, and overall user experience, Allstate Drivewise stands out as the better choice. Its combination of substantial discounts, immediate rewards, and a user-friendly app make it the preferred option for drivers seeking a comprehensive and rewarding usage-based insurance program.
How does DriveEasy work?
Once Geico members download the DriveEasy mobile app and log into their Geico account, DriveEasy discounts will start to accumulate. The app works easily: Download the app, monitor driving habits, and save. There may be some allowances you need to enable (such as location services or cellular services) to use the app. Once the DriveEasy is downloaded, it immediately starts detecting your driving.
Geico DriveEasy uses tracking technology, called telematics, to provide this affordable car insurance discount program. It’s not alone either. Geico is one of many nationwide that offers this sort of usage-based car insurance. These programs were created to provide discounts for safe driving, aligning with the Geico DriveEasy car insurance discount initiative.
Telematics detects movement based on sensors in cellphones and through GPS. DriveEasy and its competitors are amazing in that they can identify whether you’re the driver or passenger of the car and if you’re on public transportation.
This means you won’t have your friend’s bad driving habits tracked under your account, ruining your score. (Though if you’re the worst driver in your friend group, this means you can’t cheat the system). Anyone can use Geico DriveEasy under the policyholder’s auto coverage. Drivers can download and start driving to see their rates down.
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What do “bad driving habits” behind the wheel mean?
Geico DriveEasy keeps track of distracted driving behaviors. This means that activities such as phone calls or just actively touching your phone while going faster than six mph will ding your account. Unfortunately, this also includes when passengers are operating your phone.
The app can’t distinguish between you, the driver, and a passenger. So what type of behavior is counted in the score?
- Hands-free phone calls? No
- Handheld phone calls? Yes
- Active phone use (i.e., holding it, tapping)? Yes
- Passive phone use (e.g., in the mount, screen on)? No
Active phone use means that you are touching your phone screen, minimizing windows, fiddling with GPS, unlocking your phone, etc. So leaving your phone GPS on while safely mounted will not impact your score unless you’re touching the screen.
DriveEasy is geared toward safe drivers. If you’re not a safe driver, you may not want to enroll in this program. Keep reading to find out the perks and drawbacks of Geico DriveEasy.
Is DriveEasy worth it?
Geico’s DriveEasy is a program that helps drivers lower their rates by encouraging awareness on the road. Geico DriveEasy rewards safe drivers but penalizes you if you drive recklessly. Driving data collected from the app is used to calculate your personalized Geico DriveEasy discount. Geico analyzes your patterns and gives you a score, this score is then applied to your rate.
Plain and simple, though, if you’re a safe driver DriveEasy is worth it. A little off your rates is a benefit to anyone. DriveEasy is currently available to eligible customers with Geico policies in these states:
- Colorado
- Connecticut
- Florida
- Illinois
- Indiana
- Louisiana
- Kentucky
- Maryland
- New Jersey
- New Mexico
- Oklahoma
- Oregon
- Pennsylvania
- Texas
- Virginia
- Wisconsin
Location may not be the only pitfall to Geico DriveEasy for you; you may be a risky driver. If that’s the case, you may find that Geico DriveEasy poses more of a disadvantage than an advantage to you.
What are the advantages and disadvantages of DriveEasy?
With Geico DriveEasy, usage-based insurance rates will fluctuate based on your driving habits. So if you tend to speed, have been known to take a work call on the road, or are continually rerouting your GPS, DriveEasy may not be the usage-based auto insurance you buy into for savings.
Alternatively, if you practice safe driving you could see your car premiums decrease.
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What is Allstate Drivewise?
Allstate Drivewise is a safe-driving program with Allstate that measures driving behaviors and rewards good drivers. The idea is that: the safer you drive, the greater the potential savings you can attain through the Allstate Drivewise car insurance discount. Drivewise is a free app through Allstate that drivers download and activate while driving.
Is Allstate Drivewise worth it?
The device or mobile app can help drivers save up to 30% in discounts on their vehicle coverages.
The Allstate Drivewise app allows you to collect Allstate Drivewise rewards (or drive performance cash rewards) through points for safe driving. Allstate rewards can be reaped instantaneously. Anyone who downloads the app has the opportunity to receive cashback for every six months of safe driving.
Safe driving means:
- Driving at safe speeds
- Not slamming on the brakes
- No late-night driving
The app detects when you’re driving using your phone’s location (so, your phone needs to be at least 25% charged in order to use Allstate Drivewise). It kicks on after motion is detected at a short distance with travel speeds higher than 20 miles per hour.
Some drivers might wonder how can I beat the system or how can I cheat the Allstate Drivewise app. Our simple advice to you is don’t. It’s never worth it to attempt to cheat the system, whether through your insurance policy application or through a mobile app. Be smart and make an insurance policy choice that’s right for your situation.
What is a usage-based policy?
Usage-based insurance is ideal for drivers looking for car insurance that better reflects safe driving skills.
Usage-based insurance is an option offered by many auto insurance companies in the United States, resulting in reduced car insurance rates. These adjusted rates are based on your driving skills such as speeding, acceleration, and harsh braking, along with other metrics like mileage and the time of day you drive.
Generally, the better you drive, the better your rates. In some cases, such as with DriveEasy, drivers may see an increase in their monthly bills if they don’t practice safe driving habits.
These programs are monitoring your driving. This means that your insurance provider can view the risk you pose on the road. This is something that drivers should keep in mind when shopping around for usage-based insurance.
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What other usage-based/telematics insurance programs are out there?
Both Geico’s DriveEasy and Allstate’s Drivewise are two of the many discount programs that exist from auto insurance providers.
For example, Allstate also offers Milewise, which is a device installed in your car that tracks your driving. The estimated savings for Allstate Drivewise’s sister are up to 25%. Milewise bases rates on a daily rate and a per-mile rate.
Check out the chart below to compare other safe-driving programs offered by nationwide companies.
Telematics Reward and Discount Programs
Company Discount Requirements
Drive Safe & Save by State Farm up to 30 % - Limited sharp changes in speed
- Drive during peak hours
- Don't use your phone while driving
Nationwide SmartRide 10 percent when signing up, and up to 40 percent after that - Keep miles low
- Drive during peak hours
- Avoid sharp speed changes
Safeco RightTrack up to 35 percent - Drive during peak times
- All drivers on policy must be signed up
- Avoid sharp changes in speed
Geico DriveEasy up to 20 percent for signing up only - All drivers signed up on policy
- Don't use your phone while driving
- Avoid sharp changes in speed
DriveSense by Esurance dependent on driver - Must drive at least 50 trips during policy
Read more: Safeco RightTrack Car Insurance Discount
Most nationwide, and even smaller, car insurance companies offer some sort of telematics discount. These programs are meant to lower the risks that drivers pose to the policy and to the road.
Read more: State Farm Drive Safe and Save Car Insurance Discount
How can you find out more about Allstate Drivewise and Geico DriveEasy?
Do the Allstate Drivewise rewards outweigh the perks of Geico’s DriveEasy for you? Or the other way around? Either way, usage-based insurance programs that use telematics are leading the auto insurance discount game you may want to jump on the wagon.
See your savings increase along with your attention to the road while your auto insurance policy rates decrease.
Find out more from your local agents about savings in your state. Enter your ZIP code to compare car insurance quotes from companies in your area.
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Frequently Asked Questions
What is Allstate Drivewise?
Allstate Drivewise is a usage-based insurance program that tracks your driving behavior through a mobile app or a telematics device. It monitors your driving habits such as acceleration, braking, speed, and time of day to determine your insurance premium.
What is GEICO DriveEasy?
GEICO DriveEasy is a usage-based insurance program that uses a mobile app to track your driving behavior. It measures your driving habits such as acceleration, braking, speed, and time of day to determine your insurance premium.
How do Allstate Drivewise and GEICO DriveEasy work?
Both Allstate Drivewise and GEICO DriveEasy use telematics technology to monitor your driving habits. You install a mobile app or a telematics device in your car that collects data on your driving behavior. This data is used to determine your insurance premium.
What kind of discounts do Allstate Drivewise and GEICO DriveEasy offer?
Allstate Drivewise and GEICO DriveEasy offer discounts based on your driving behavior. If you drive safely and avoid risky behaviors such as hard braking and rapid acceleration, you can earn discounts on your insurance premium.
How much can I save with Allstate Drivewise and GEICO DriveEasy?
The amount you can save with Allstate Drivewise and GEICO DriveEasy depends on your driving behavior. The better you drive, the more you can save. Allstate Drivewise claims that drivers can save up to 25% on their insurance premium, while GEICO DriveEasy offers up to 25% off for safe drivers.
What are the benefits of Allstate Drivewise and GEICO DriveEasy?
The benefits of Allstate Drivewise and GEICO DriveEasy include potential savings on your insurance premium, personalized feedback on your driving behavior, and the ability to monitor your driving habits to improve your safety on the road.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.