Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 31, 2021

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The Lowdown

  • KnowYourDrive is a free mobile app.
  • You can save up to 20% on car insurance for “perfect” driving.
  • Get rated and scored each time you drive to save money.

Your driving is immaculate, and you deserve some discount off your auto insurance for that. Well, some companies think so too. The American Family Insurance KnowYourDrive program is a usage-based insurance program that tracks your driving habits and helps you save money in turn.

Through the KnowYourDrive mobile app, drivers are scored based on their driving averages. It’s good to note that this program is purely for discounts. Your rates will not increase as a result of enrolling in KnowYourDrive. KnowYourDrive offers up to a 20% discount on your car insurance policy with American Family Insurance on top of a 10% participation discount upon enrollment.

If you’re ready to find affordable usage-based auto insurance quotes in your area, enter your ZIP code in our tool to get started.


How does American Family KnowYourDrive work?

KnowYourDrive is an auto insurance telematics app that monitors your driving habits and may help you save on auto insurance.

According to the National Association of Insurance Commisioners, telematics are available either as a device or smartphone app that tracks your driving and help insurers adjust your rates based on your driving habits.

After you’ve downloaded the American Family KnowYourDrive app — which is available for Andriod and iPhone —  it will continue to run in the background and record your habits while driving. Once you download the app and enroll through your phone, you will get a 10% instant discount.

After six weeks of monitoring your driving, American Family Insurance will lower your rates based on your driving. The most you can save is 20%, and the least your insurance policy will decrease is 2%.

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What driving habits does KnowYourDrive monitor?

Using its data and smart technology to analyze your specs, including your driving behavior, the mobile app can detect whether or not you are driving and, if so, how safely you are driving.

American Family’s KnowYourDrive program gives drivers a score from 0 to 100 each month. It keeps track of habits such as:

  • Changes in speed, such as sharp acceleration or braking
  • How often your drive
  • Whether or not you are on your phone while driving

After each trip, the app will give you a score for that trip within five to ten minutes.

When you have the app open, you can see all of your stats. The interface offers a homepage with an overview of driving habits, recent trips, and their scores. You can see how your driving habits affect your discount and learn how to be a safer driver through the app.

It Tracks Recent Trips

The KnowYourDrive app tracks you every time you get in the car. It provides details and a score on the main home screen that drivers can track alongside the app.

It Tracks Distracted Driving

The KnowYourDrive app tracks your risky behaviors, such as texting, by tracking your distracted behavior. Although distracted driving isn’t included when calculating your discount, you can still see how distracted driving affects your trips, and you can work on it.

Free add-ons

When you sign up for the American Family KnowYourDrive mobile app, you will automatically enroll in the Travel Peace of Mind Package. It’s a free offering from American Family for extra protection on the road. It features four essential coverages at no additional cost to drivers.

The Travel Peace of Mind Package includes:

  • Emergency Roadside Service
  • Rental Reimbursement
  • Road Trip Accident Accommodations
  • Accidental Death and Dismemberment Benefits

For as long as you participate in KnowYourDrive, you’ll get the Travel Peace of Mind Package for each eligible vehicle on your American Family Insurance family car policy, including both collision and comprehensive coverage.

If you no longer wish to be enrolled in KnowYourDrive, you can opt out by signing into your mobile app, signing in to your car insurance policy online, or reaching out to your agent.

What is a good KnowYourDrive score?

Ideally, drivers should shoot for a 100% score each time they drive. However, that is not realistic accounting for general life and error in technology. The discount will fluctuate as your driving scores trickle in throughout the terms of your policy. Your average will also be considered at the time of your renewal.

Is KnowYourDrive worth it?

American Family Insurance’s KnowYourDrive discount program does not affect your policy’s fixed rate but will impact the variables of your car insurance coverage. If you are a steady, reliable driver, you will likely see the top 20% car insurance discount. But even if you score a 0 for weeks on end, your baseline policy will not change.

It’s a free car insurance program that can cause no negative impacts on your car insurance policy, so overall it could be a benefit. However, you may not want your driving or behaviors tracked. If that’s the case, then these types of programs, in general, will not be worth it for you.

For instance, if you’re not a particularly safe driver, you also may want to consider improving your driving habits before starting KnowYourDrive. Or you may want to consider not getting it. You don’t want your insurance company to know about the risk you are putting yourself and your car in, even if the app can’t technically raise your rates.

Keep in mind that you can adjust some of the information in the app if it is wrong.

About American Family Insurance

American Family is in 19 states across the Midwest and is one of the most highly-rated auto insurance companies.

American Family Insurance — can you hear the jingle? — offers car insurance policies that include standard liability coverage, collision, comprehensive, personal injury protection, underinsured drivers, rideshare coverage, and gap coverage.

The KnowYourDrive discount is one of several that the company offers. The American Family Insurance driving discounts are what their customers love about the company — not just auto policyholders. The company offers auto insurance in addition to home and life coverage.


American Family Insurance Discounts
Type of InsuranceDiscounts Offered
Life InsuranceN/A
Home InsuranceSafety features (i.e. Ring doorbells), new homebuyers, bundle policy, paperless, loyalty, family, upgrades
Auto InsuranceBundle policy, multi-vehicle, good driver. KnowYourDrive, loyalty, for switching to American Family, safety devices, mileage, good student, young drivers, volunteers, and discounts for taking courses
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According to various reviews, even though American Family isn’t offered in every state, it’s affordable for good insurance. Be the first to leave an American Family KnowYourDrive app review below.

Who is that guy in the American Family Insurance commercial? Houston Texans’ defensive end J.J. Watt, like many others, is backing American Family driving discounts.

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How many states is American Family Insurance in?

Interested already? Before you start contacting agents, make sure this company is in your area.

American Family is in the following 19 states:

  • Arizona
  • Colorado
  • Georgia
  • Idaho
  • Illinois
  • Iowa
  • Indiana
  • Missouri
  • Kansans
  • Minnesota
  • Nebraska
  • Nevada
  • Ohio
  • North Dakota
  • South Dakota
  • Oregon
  • Washington
  • Wisconsin
  • Utah

If you see your state on the list and you’re ready to jump in, enter your ZIP code to start comparing agents in your area.

Does American Family Insurance give military discounts?

American Family does not offer military discounts. But if you are a veteran who works for the American Family Insurance company, you can get some serious benefits. The company claims to prioritize the health and benefits of veterans.

What are KnowYourDrive competitors?

American Family isn’t the only usage-based auto insurance company. A lot of car insurance companies offer some discounts for good driving. Many of them also have a similar setup, where an app tracks your driving behavior to collect some discount.

Esurance offers DriveSense Mobile, Liberty Mutual has RightTrack, and Allstate offers DriveWise. State Farm also has its Drive Safe & Save program, which only works in certain approved vehicles.

If you’re not sure if your car insurance company offers discounts like this, it may be worth it to call and ask if they have a similar app with a discount program. On the other hand, if your insurance company doesn’t already offer safe driving discounts, it may be worth it to switch to American Family Insurance, as the app can give you a significant discount.

Before you buy usage-based auto insurance, make sure to compare rates and reviews from multiple companies to get the policy that meets your needs and budget.

Leave a Review

Keep in mind that KnowYourDrive is reliant on your mobile device. If you do not have a cell phone plan with reliable data, the app’s data usage could end up increasing your cell phone bill.

If you have the KnowYourDrive app, scroll down and leave a review for others considering the program.

If you’re looking to compare usage-based car insurance rates in your area, enter your ZIP code to get started today.