American Family KnowYourDrive: How Much Do You Save? (2021)

The American Family KnowYourDrive car insurance discount can be up to 20%. The KnowYourDrive app tracks driving habits like speeding and hard braking. It discourages distracted driving and promotes safe driving habits. American Family offers a 10% discount just for signing up, and additional discounts are based on your safe driving score.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Jul 2, 2021

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Things to Know

  • American Family Insurance offers up to 20% off of your car insurance renewal with the KnowYourDrive program, with a 10% 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

The American Family KnowYourDrive car insurance discount might be anywhere between 2% and 20% based on several factors. This could drop your American Family KnowYourDrive car insurance quote meaningfully.

If you are a relatively safe driver, American Family KnowYourDrive usage-based car insurance might be the right program for you. And your rates won’t increase if you have poor driving habits.

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

American Family KnowYourDrive car insurance is one of many usage-based insurance (UBI) options available to you, so before you buy car insurance, enter your ZIP code now to compare free quotes from multiple companies to find affordable car insurance near you.

How does the American Family KnowYourDrive program work?

The American Family KnowYourDrive car insurance app uses telematics to track your driving habits and provide you with a discount based on how well you drive. The app runs in the background on your phone and looks at the following habits:

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

All of these factors combined 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 corresponds to the discount you are offered.

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

Before you sign up for American Family KnowYourDrive car insurance, read our American Family car insurance review to see average rates, discounts, and company ratings. Also check out American Family KnowYourDrive app reviews on Apple and Google.

Is KnowYourDrive worth it?

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

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

American Family MilesMyWay is a new program that rewards you for driving less. Pay-as-you-drive allows drivers to earn rewards each month based on the exact mileage they drive. If you drive less than 8,000 miles per year, you could save around 25%.

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

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

Since American Family KnowYourDrive car insurance rates will differ depending on the results of the program, they can be hard to estimate.

Now that you know more about American Family KnowYourDrive, enter your ZIP code to get free quotes from multiple companies in your area.

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