American Family KnowYourDrive Review (2021)

The American Family KnowYourDrive program uses telematics to evaluate your driving and can save you up to 20 percent on your American Family car insurance. The KnowYourDrive app tracks driving habits like speeding and hard braking. American Family offers a 10 percent discount just for signing up, and additional discounts are based on your safe driving score.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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What You Should Know

  • American Family Insurance offers up to 20 percent off of your car insurance renewal with the KnowYourDrive program, with a 10 percent discount just for signing up
  • KnowYourDrive uses an app to determine how well you are driving and offers a discount accordingly
  • You won’t be charged more for poor driving habits

KnowYourDrive from American Family Insurance is the latest option when it comes to telematics. Based on several factors, you can receive a discount of anywhere between two and 20 percent.

If you are a relatively safe driver, American Family KnowYourDrive might be the program for you. And it’s nice to know that if you show poor driving habits, your rate won’t increase.

Shopping around to find the cheapest auto insurance out there is easy. You can compare instant auto insurance quotes today.

Enter your ZIP code now to compare car insurance quotes with your American Family KnowYourDrive rates to find the best deal.

How does the American Family KnowYourDrive program work?

The KnowYourDrive app uses telematics to track your driving habits and offer you a discount based on how well you drive. The app runs in the background on your phone and looks at habits including:

  • Driving frequency
  • Hard braking events
  • Fast acceleration
  • Speed
  • Distracted driving
  • Time of day you drive

All of these factors combine to show how much of a risk you are for the insurance company. For example, if you drive during rush hour with a lot of hard braking and fast acceleration, you are more likely to be in an accident.

KnowYourDrive gives you a safety score based on your driving habits, which then turns into the discount you are offered.

While many other competitors are out there, such as Allstate’s Drivewise or Liberty Mutual’s RightTrack, KnowYourDrive is only offered in the 19 states where American Family offers car insurance.

Is KnowYourDrive worth it?

There are many positives to trying the KnowYourDrive program, including:

  • If you are a safe driver, that 20 percent discount will mean big savings
  • It’s free to sign up and there is no special equipment needed
  • Your auto insurance won’t go up even if you don’t get a big discount because of your driving habits,
  • It can make you a safer driver. Participating in the program will make you more aware of the way you are driving.
  • While you are signed up for the KnowYourDrive program, you will also get the Travel Peace of Mind Package for free and includes roadside assistance, rental car reimbursement, road trip accident accommodations, and accidental death and dismemberment benefits.

The only downside we can see is that using the app does use a bit of your data. If you don’t have a good data plan, you could wind up spending a lot of money on your cell phone bill.

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How does American Family Insurance stack up?

American Family Insurance offers a variety of car insurance coverages in 19 states. The company has strong financial ratings from A.M. Best as well as good customer service ratings. It also has good complaint ratings, meaning customers are satisfied with the products and services offered.

Through the American Family app and website, customers can access their accounts. You can pay your bills, file claims, or check your claim status with your American Family Insurance login.

Before you buy American Family KnowYour Drive auto insurance, learn more about the company with a full American Family Auto Insurance Review.

Using American Family KnowYourDrive is a great way to save money and improve your driving skills. Affordable American Family KnowYourDrive auto insurance may be a good option if you’re a safe driver.

Since American Family KnowYourDrive auto insurance rates will differ depending on the results of the program, they can be hard to estimate. To find the best deals right now, compare rates here. Enter your ZIP code now to get started.

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