Allstate Drivewise vs. USAA SafePilot: Which Service Is the Best (2024)
Discover the nuances between Allstate Drivewise and USAA SafePilot, meticulously evaluating features, benefits, and user feedback to help you make an informed and confident decision for your auto insurance needs.
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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: Oct 16, 2024
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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: Oct 16, 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.
On This Page
In the intricate landscape of auto insurance, finding the right coverage at the best rates hinges on a myriad of factors.
As we delve into the comprehensive data table comparing Allstate Drivewise and USAA SafePilot, a clear narrative emerges. Analyzing key variables such as credit score, mileage, coverage level, and driving record, it becomes evident that the ideal insurance provider varies for different customer profiles. Whether you prioritize affordability, maintain an impeccable driving record, or log extensive mileage, our data-driven insights will illuminate which company emerges as the frontrunner in delivering the most advantageous rates tailored to your specific needs.
| Factor | Allstate | USAA |
|---|---|---|
| Clean Record | $160 | $108 |
| 1+ Ticket | $188 | $67 |
| 1+ Accident | $225 | $78 |
| DUI | $270 | $108 |
| Poor Credit | $275 | $186 |
| Discount | Allstate | USAA |
|---|---|---|
| Safe Driver | 15% | 12% |
| Low Mileage | 10% | 10% |
| Anti Theft | 10% | 8% |
| Paperless | 5% | 3% |
| Senior Driver | 5% | 8% |
| Good Student | 10% | 3% |
Allstate Drivewise
Pros:
- Discount Opportunities: Offers a 10% discount upon initiation, and potential savings of up to 30% based on driving behavior.
- Broader Availability: Open to all drivers, not limited to Allstate members.
- Usage of Telematics: Utilizes modern technology, telematics, and phone sensors to monitor and evaluate driving habits.
- Privacy Concerns: While some users express privacy concerns, it does not penalize drivers for risky habits, making it a non-intrusive opportunity for potential savings.
Cons:
- Challenging to Achieve Maximum Discount: Reviews suggest that achieving the maximum 30% discount can be challenging, with average savings around 15-20%.
- Sign-Up Fee: Requires a sign-up fee, which is double that of USAA SafePilot’s.
- Privacy Issues: Some users feel that the app violates their privacy, as data from the device may be discoverable by third parties in accident investigations and litigation.
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USAA SafePilot
Pros:
- Military Discount: Offers significant savings for military members, potentially saving nearly $700 a year on car insurance.
- Competitive Rates: USAA boasts competitive rates and high customer satisfaction, outperforming civilian-serving counterparts.
- Free Program: SafePilot offers a 5% discount upon signup without a sign-up fee.
- Availability for Military: Ideal for military personnel or families, with superior rates compared to Allstate.
Cons:
- Limited Availability: Not available in every state, and the website lacks clarity on states with services.
- App Intuitiveness: The app is considered less intuitive than Allstate Drivewise, with occasional tracking issues when the user is not the driver.
- Civilian Rates: While competitive, civilian rates may not be as advantageous as military rates, making it a better fit for military personnel.
Best Overall: Allstate Drivewise vs. USAA SafePilot
After a thorough evaluation of Allstate Drivewise and USAA SafePilot, one company emerges as the best overall choice: Allstate Drivewise.
Broader Availability: Allstate Drivewise is accessible to all drivers, not limited to Allstate members. This inclusivity ensures a wider pool of users can benefit from potential savings.
Discount Opportunities: While achieving the maximum 30% discount can be challenging, the initiation discount of 10% and average savings of 15-20% make Allstate Drivewise an attractive option for those seeking tangible savings on their car insurance premiums.
Usage of Telematics: The utilization of modern technology, including telematics and phone sensors, allows for a comprehensive and accurate assessment of driving habits, providing a fair and data-driven approach to determining discounts.
Privacy Considerations: Despite some privacy concerns, Allstate Drivewise stands out for not penalizing drivers for risky habits, making it a non-intrusive option for those who prioritize privacy.
While USAA SafePilot offers competitive rates and significant discounts for military members, its limited availability, occasional app issues, and varying civilian rates make it less universally appealing.
Drivewise From Allstate
Allstate Drivewise is an app or plug-in device that monitors your driving behavior. The app tallies any “good” or “safe” habits, and good drivers are rewarded with discounted rates and cash-back rewards. After you initiate Allstate Drivewise, drivers will automatically receive a 10 percent discount. Anyone, not just Allstate members, can download Drivewise.
With Drivewise, drivers can save up to 30 percent on car insurance premiums, as part of the Allstate Drivewise car insurance discount. However, reviews say that this is more difficult to achieve than you’d think. Drivers should expect an average of 15 to 20 percent savings.
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How Does Drivewise Work
The app uses modern technology, telematics, to record your data. Allstate Drivewise also uses sensors in your phone to corroborate your driving score. These tools kick in when you’ve traveled more than 20 miles per hour for a short distance. Using your phone’s location services and other data Drivewise can determine if you’re driving and what safe practices you’re employing.
Drivewise monitors:
- Driving at safe speeds
- Not slamming on the brakes
- Late-night driving
How Does SafePilot Work
Like Allstate Drivewise, USAA SafePilot is an app that runs on your phone in the background and tracks your trips in the car. It’s designed to track harsh braking, general phone usage, handheld calling, and hands-free calling as part of the USAA SafePilot car insurance discount program. You’ll be able to see your routes and scores on your app.
Usage-Based Car Insurance
Telematics, or usage-based, insurance programs collect driving data to provide personalized feedback to your auto insurance provider.
Affordable usage-based insurance, which started with Progressive, charges drivers a lowered rate for being cautious on the road. Risky drivers mean more claims, more money, and more work the usage-based insurance company has to delve out. This technology helps drivers avoid accidents by monitoring — and letting them monitor — their driving habits.
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Which is Better: USAA SafePilot vs. Allstate Drivewise
If you’re looking to sign-up for a usage-based car insurance company, you may find that these two programs offer similar benefits. However, Allstate comes out on top.
Check out this table to get an idea of where USAA and Allstate stand in terms of affordable car insurance.
Car Insurance Monthly Rates by Provider and Driving Record
| Insurance Company | Clean Record | One Accident | One DUI | One Speeding Violation |
|---|---|---|---|---|
| Allstate | $318 | $416 | $522 | $374 |
| American Family | $224 | $310 | $361 | $252 |
| Farmers | $288 | $377 | $393 | $340 |
| Liberty Mutual | $398 | $517 | $634 | $475 |
| Nationwide | $229 | $283 | $379 | $259 |
| Progressive | $283 | $398 | $331 | $334 |
| State Farm | $235 | $283 | $303 | $266 |
| Travelers | $287 | $357 | $478 | $355 |
| USAA | $161 | $210 | $292 | $183 |
Is Allstate Drivewise worth it or USAA SafePilot?
Drivers aren’t penalized for driving habits that are deemed risky. This is a perk because the app doesn’t pose any risk to the drivers, it’s only an opportunity to save money.
Drivers shouldn’t get their hopes up, though. Drivewise makes it challenging to reach the maximum discount. The average savings are about 20 percent. However, Allstate’s sign-up fee is double that of USAA SafePilot’s. SafePilot only gives drivers a 5 percent discount upon signup.
Other Drivewise reviews claim that they feel the app violates their privacy. While it can’t track where you drive, Allstate’s Drivewise terms of use say, “Data from the device may be deemed discoverable by third parties and used in an accident investigation and⁄or litigation.”
If you are in the military or are a military family, USAA car insurance rates are superior to Allstate. USAA has average rates of $1,900 annually. With Allstate, on the other hand, drivers can pay up to $3,000 per year. Allstate does write more direct premiums annually, though. The Insurance Information Institute reported that USAA (6 percent) is slightly behind Allstate (9.3 percent) in market share.
Do Your Research on Savings Programs
We’ve covered the basic reviews of USAA SafePilot and Allstate Drivewise, but what it really comes down to is your military status. If you’re in the military, USAA can help save drivers nearly $700 a year on car insurance. But, if you’re a civilian, Allstate Drivewise offers a better discount and a better app.
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Frequently Asked Questions
What is Allstate Drivewise?
Allstate Drivewise is a usage-based insurance program that monitors driving behavior through a smartphone app or a plug-in device. It rewards safe drivers with discounts on their auto insurance premiums.
What is USAA SafePilot?
USAA SafePilot is a usage-based insurance program that uses a smartphone app to monitor driving behavior. It also rewards safe drivers with discounts on their auto insurance premiums.
How do these programs work?
Both programs use a smartphone app to monitor driving behavior, including speed, acceleration, braking, and time of day. The data is then used to determine a score, which is used to calculate a discount on auto insurance premiums.
Is my driving behavior being tracked all the time?
Yes, both Allstate Drivewise and USAA SafePilot monitor driving behavior all the time the app is active, whether or not you are driving.
How much can I save with these programs?
The amount you can save with these programs varies based on your driving behavior and the program’s terms and conditions. Some drivers have reported savings of up to 30% on their auto insurance premiums.
Can I opt-out of these programs?
Yes, you can opt-out of these programs at any time. However, if you opt-out before the end of your policy period, you may not be eligible for any discounts.
Can these programs increase my premiums?
No, these programs cannot increase your premiums. They can only offer discounts based on your driving behavior.
Does SafePilot save you money?
It can. That is the point of the program, to help drivers save money. You can save up to 20 percent on your monthly premium with SafePilot.
Can Allstate Drivewise raise your rates?
No. Drivewise does not penalize drivers for low scores on the app.
Does phone activity affect Drivewise?
Yes. Drivewise reviews say that it can detect when you the passenger or when you’re the driver. So, when you’re not driving, your phone activity will not impact your score. But if you’re driving, phone activity is counted as distracted driving.
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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.