What is the driving device or app discount?

You can save up to 40% on your car insurance with a driving device/app discount. Each car insurance company offers different discounts by using telematics to determine your safe driver discount. Discounts are based on habits like speed, distracted driving, and hard braking. Keep in mind that some car insurance companies will raise your rates if you exhibit poor driving skills.

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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

UPDATED: May 28, 2021

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Things to Know

  • A driving device/app discount can save you up to 40% on your car insurance
  • Many major car insurance companies offer a discount for a usage-based program
  • Companies monitor many different driving habits, such as speed and distracted driving, to offer you a discount

Your safe driving skills can earn you a discount from many of the top car insurance companies. Companies use telematics programs that evaluate your driving and then determine if you are eligible for a discount.

Shop around before you buy car insurance with a driving device/app discount to see who can offer you the highest discount with the lowest rate.

Enter your ZIP code now to compare car insurance quotes with a driving device/app discount from multiple companies near you for free.

What is a driving device/app discount?

You can be rewarded for your safe driving habits if your car insurance company uses car monitor equipment to evaluate your driving. Not only does the device or app determine how you are currently driving, but it can also give you feedback on the skills you need to improve.

The factors that are usually monitored are speed, number of miles driven, hard braking and acceleration, when you drive, and distracted driving.

According to the Insurance Information Institute, driving devices and apps can actually make you a safer driver because you will be paying close attention to your driving and will receive immediate feedback.

How a car insurance company monitors your driving will vary. Some companies use a device that plugs into a port in your vehicle or attaches to your windshield.

Other companies use an app that runs in the background on your phone. Keep in mind, there may be some battery life and privacy concerns about an app that is continually running.

Discounts vary by company and may be determined by just how well you drive. You may also get a discount just for signing up, even if you aren’t eligible for a discount based on your driving.

The length of your discount will vary by company as well. Some car insurance companies want to monitor your driving each year in order to continue to apply a discount. Other programs, like Nationwide SmartRide, will apply your discount for the life of your policy.

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What car companies offer a discount for using a driving device or app?

It’s pretty easy to find car insurance companies with a driving device/app discount since telematics is very common. Most major companies use programs such as Allstate Drivewise and GEICO DriveEasy to offer usage-based savings.

This table shows which car insurance companies offer driving deals for using a device or app to monitor your driving. If the amount of the discount is known, it is listed.

Driving Device/App Car Insurance Discount Available By Company
CompanyDriving Device/App Discount Available
21st CenturyX
AAAX
AllstateX
American FamilyX
EsuranceX
Farmers5-15%
GEICOX
Liberty Mutual30%
MetLifeX
NationwideX
ProgressiveX
SafecoX
State FarmX
The HartfordX
TravelersX
USAAX
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It’s also important to note that some car insurance companies will actually raise your rates if your driving skills leave something to be desired. Not only could you not get a discount, but your car insurance could also actually increase.

If you are confident in your safe driving habits, a telematics program could save you money. However, if your skills aren’t up to par, you could end up spending more money in the long run.

For even more savings, combine your driving device/app discount with other car insurance discounts, such as a safe driver discount.

Driving Device/App Discount: The Bottom Line

Most insurers offer car insurance with a driving device/app discount, but make sure you know what you’re getting into. Discount amounts will vary, and some companies may raise your rates for poor driving habits.

It’s easy to find affordable car insurance with a driving device/app discount if you shop around. Compare various companies to see who can offer you the best discounts with the cheapest coverage.

Enter your ZIP code to compare car insurance rates with a driving device/app discount for free today.

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