Allstate Drivewise Review: Best Option for Vets (2023)

Allstate Drivewise is a usage-based driving rewards program available to Allstate customers via a mobile app that could help veterans get the best deal on car insurance. Veterans may be able to capitalize on Allstate’s Drivewise program by stacking discounts.

Most people would be happy to maximize their discounts on auto insurance. This article will break down the Allstate Drivewise program, how it affects veterans, and how it compares to other usage-based programs.

Is Allstate Drivewise good for veterans?

Allstate is one of the most popular car insurance companies in the United States. Drivewise is a convenient car insurance feature that can reward drivers for using safe driving habits. 

Unfortunately, Allstate doesn’t typically offer a standard veteran’s discount. Even so, veterans could earn up to 40% off of their auto insurance policy with Drivewise rewards.

How does Allstate Drivewise work?

Allstate Drivewise is available on the Allstate Mobile app. This app offers a handful of convenient features such as mobile identification cards, mobile claims, roadside assistance, and more.

Drivewise is simply an added feature that could benefit safe drivers, assuming they do drive safely. Allstate tracks the following metrics for those using Drivewise:

• Commute time
• Speed
• Braking habits
• Phone usage
• Time of day you drive

Remember, car insurance companies generate prices based on risk. Those who drive more typically pay more for car insurance. Of course, if you’re consistently speeding and receiving tickets, you can expect to pay more than someone with a clean driving record.

Braking habits can show how attentive you are on the road. Most drivers have had to slam on the brakes occasionally, but it shouldn’t be an everyday occurrence. 

Your phone usage should be at a minimum. The National Highway Traffic Safety Administration reported that over 3,000 people died in accidents related to distracted driving in 2020. Those who regularly use their phones while driving won’t earn many rewards because of that statistic.

In addition, those that drive late at night frequently may be in more danger. While traffic might be less congested, many alcohol-related accidents occur later at night whether you’re the cause or not.

If you’re a veteran that has no trouble with any of the above factors, you could benefit from using Allstate Drivewise.

Is Allstate Drivewise worth it?

Investing in Allstate Drivewise could be worthwhile for veterans. While there may not be an applicable veteran’s discount, Allstate advertises that Drivewise participants could save up to 40% on their car insurance policies.

Some other car insurance companies may offer discounts for veterans, but it’s rare to find any discount exceeding 40%. The best way to truly find the best car insurance rate will be to get quotes from multiple companies with any potential discounts applied.

Below, we’ve highlighted some of the pros and cons of Allstate Drivewise based on reports from customer reviews.

Pros

• Major discount potential
• Available on mobile app for Android and Apple
• Offers features to help improve driving habits

Cons

• May track while you are a passenger
• Doesn’t work effectively with all phones
• May be sensitive to phone usage

Overall, Drivewise appears to be a valid option for any driver, including veterans. Unfortunately, there are some potential flaws with the mobile app and its effectiveness. For example, this app is designed to track all trips in which a person exceeds 15 miles per hour for over one minute.

The app is supposed to be able to differentiate between the driving habits of the policyholder and other drivers, but there are some issues with this function. Those who use the Drivewise app may need to be attentive so that they can delete trips where they were passengers.

Lastly, Drivewise may be sensitive to phone utilization, so it’s best to have your phone prepared for any audio or other driving needs before you get going. Some users report that changing a song or volume on their music was flagged for phone usage.

Alternatives to Allstate Drivewise

If you have phone trouble or are on the fence about committing to Allstate, there are some other car insurance companies that offer usage-based insurance rewards. Below, we’ve highlighted some of those options along with the potential discounts and ratings.

Above, you can see how Allstate Drivewise compares to some of its top competitors. Nationwide offers similar discounts but might be preferred for Android users based on the ratings available.

For Apple users, Drivewise appears to be the most reliable option with the greatest discount potential. Again, be sure to get quotes from multiple companies if you’re simply looking for the best car insurance rate.

As always, prospective policyholders should look into any other common discounts on auto insurance to save as much as possible. In addition, other military-friendly options like USAA may be able to offer a better rate for veterans even without usage-based discounts.

Allstate Drivewise for Veterans: The Bottom Line

For any veteran looking for discount car insurance, Allstate Drivewise could be a great option. Android users may want to consider alternative options to avoid application complications that may ultimately affect their discount potential.

Drivewise is one of the top usage-based insurance rewards programs. With excellent driving habits, you could save up to 40% on your auto insurance policy.