American Family Insurance KnowYourDrive Review (2025)

If you’re looking at usage-based insurance as a way to save money on your rates or find cheap auto insurance, you may be wondering about American Family KnowYourDrive.

What is American Family Insurance KnowYourDrive app? Is it worth it? Will you save on your American Family coverage? Can you find affordable American Family KnowYourDrive auto insurance? Read this review to find out.

The American Family Insurance KnowYourDrive program offers drivers a way to save by allowing its app to track their driving habits. Only you can decide if the data collection (and resulting potential lack of privacy) is worth the discounts, which can be as much as 20%.

In addition to discounts, when you sign up for KnowYourDrive, you may qualify for free coverage through American Family’s Travel Peace of Mind package, which includes emergency roadside assistance for American Family Insurance customers, rental reimbursement, and other benefits.

If you’re wondering about American Family as an insurance company (not to be confused with American Family Care, which is an urgent care provider), take a look at our American Family auto insurance review for details.

Before we get started on this American Family car insurance review of the KnowYourDrive program, why not use your ZIP code in the tool on this page to get free quotes from insurance companies in your area.

What You Should Know About American Family Insurance

American Family offers several safe driver discounts, such as claims-free and defensive driver auto insurance discounts, but drivers can save even more by bundling those savings opportunities with KnowYourDrive from AmFam.

KnowYourDrive is a usage-based telematics program from American Family. The program encourages safe driving by monitoring specific habits and offering a discount based on how well you drive. Drivers can earn up to a 20% discount at renewal, depending on how and when they drive.

Fortunately, American Family doesn’t raise your rates if you exhibit risky driving behaviors. While other factors, such as getting a speeding ticket, might increase your rates, participating in the program won’t cost you anything.

How the KnowYourDrive Auto Insurance Discount Program Works

The KnowYourDrive setup is easy. Simply let your agent or a customer service representative know that you want to enroll. You receive a 10% initial discount for signing up.

Then, download the American Family app. The app runs continuously in the background of your smartphone, monitoring driving behaviors.

American Fam Insurance KnowYourDrive monitors driving habits, including:

• Distracted driving: Texting, making handheld phone calls, playing games, or anything that takes your attention away from the road is considered distracted driving. In addition, the app doesn’t distinguish between you and your passenger using your phone.
• Speed: Speeding leads to accidents and tickets, which also raise your rates. KnowYourDrive aims to make you more aware of risky behaviors.
• Hard braking and acceleration: Hard braking and fast acceleration indicate either aggressive driving or a lack of attention to the traffic around you. These habits also lead to more accidents.
• Mileage: Drivers who spend more time on the road are more likely to be in an accident. American Family rewards low-mileage drivers by increasing their scores for fewer miles, so this is one way to get a low-mileage auto insurance discount.
• Time of day: If you drive late at night or very early in the morning, you’re statistically more likely to be in an accident.

The American Family Insurance app shows the current discount amount and how each person on your policy drives. For example, it shows instances of hard braking and speeding, and also how you can improve your safe driving skills.

Keep in mind that there may be some privacy concerns since the app is always recording. In addition, it impacts your phone’s battery life and data plan. American Family recommends leaving your phone plugged in while driving because the app uses more battery power while you’re moving.

How to Qualify for the KnowYourDrive Insurance Discount

Current American Family policyholders can participate in the KnowYourDrive program. Contact your agent or customer service to enroll, then download the app. You can opt out anytime by letting your agent know or selecting the opt-out feature in the app.

If you don’t have American Family car insurance, you can still try the KnowYourDrive program for 30 days to see how much of a discount you could earn. After 30 days, you can get an American Family insurance quote so you can decide if the company is right for you.

Benefits of Participating in KnowYourDrive

The most apparent benefit of KnowYourDrive is the savings you can earn. While you get a 10% discount for participating, you can earn up to 20% if you score well.

Since KnowYourDrive makes you more aware of your driving habits and points out areas where you can improve, it also makes you a safer driver. Many drivers participating in telematics programs are more conscious of their driving and more likely to avoid accidents.

Drivers may also qualify for the Travel Peace of Mind Package from American Family, which includes American Family emergency roadside service, road trip accident reimbursement, and accidental death and dismemberment benefits.

Participation in KnowYourDrive can also help you qualify for more auto insurance discounts. For example, American Family offers a claims-free discount that you may be eligible for since the program enables you to drive safer and avoid accidents.

You may also find you qualify for an American Family low-mileage auto insurance discount. Since KnowYourDrive monitors mileage, you may discover you don’t spend much time behind the wheel.

American Family allows you to bundle any other auto insurance discounts you’re eligible for with the KnowYourDrive discount.

The Best Way to Save With KnowYourDrive

As you might guess, since rates and discounts are based on individual driving habits, you won’t find published American Family KnowYourDrive auto insurance quotes or American Family KnowYourDrive auto insurance rates.

The best way to maximize your KnowYourDrive savings and obtain the full 20% discount is to focus on your driving habits. Specifically, follow all posted speed limits, avoid driving late at night, and try to reduce your overall mileage.

The best way to make sure you’re getting the best deal on your auto insurance is to go comparison shopping. Do that quickly and easily by entering your ZIP code into our free quote comparison tool.