American Family Insurance KnowYourDrive Review: Compare Rates, Discounts, & Requirements [2025]

KnowYourDrive by American Family Car Insurance Company is a usage-based insurance program (UBI). Learn how to save up to 20% on your car insurance in this comprehensive American Family KnowYourDrive program review.

Below, discover what driving habits KnowYourDrive monitors and determine if this program is right for you.

After reading about American Family KnowYourDrive car insurance quotes, don’t forget to enter your ZIP code into our free comparison tool above to receive rates from the best companies near you.

What is American Family KnowYourDrive?

Affordable American Family KnowYourDrive car insurance is a usage-based car insurance program free to American Family customers.

UBI programs typically rely on mobile applications to monitor your driving habits.

American Family then evaluates your driving and provides you with a discount amount. Of course, the safer you drive, the more you save.

To sign up, you must purchase an American Family car insurance policy. New customers interested in enrolling should speak with an agent directly.

Current customers can create an American Family insurance login to access and download the KnowYourDrive mobile app.

The app works with most smartphones with an iOS or Android operating system.

Once you’ve downloaded the app, start driving and check the status of your discount in real-time. The app uses advanced technology to detect when you’re the driver. You can also check the status of your recent trips in the app. It will fluctuate based on how safe you drive.

What driving behaviors does American Family KnowYourDrive monitor? Currently, it tracks how often you drive, hard braking events, speed, acceleration, time of day, and distracted driving habits.

How is distracted driving defined? The app considers handheld phone calls and active phone use while the vehicle is in motion to be distracted driving.

While hands-free phone calls and listening to music or podcasts are technically considered passive use, changing your music or selecting a podcast would be regarded as a distraction.

Your final discount amount will be tallied and awarded to you at the time of your policy renewal.

No matter what, the rate reduction falls between 2% and 20%.

Also, everyone earns an initial 10% discount simply for enrolling. Plus, your rate will never increase based on your driving behaviors while using KnowYourDrive.

Using KnowYourDrive will potentially qualify you for the Travel Peace of Mind Package, which offers:

• Emergency roadside services
• Rental and road trip accident reimbursement
• Accidental death and dismemberment benefits

Finally, you can opt out of the program directly in the mobile app without consequences to your policy.

Is American Family KnowYourDrive worth it?

For most people, it’s worth enrolling in and earning American Family KnowYourDrive car insurance rates.

KnowYourDrive is a free-to-use, highly-rated UBI program that never causes your rates to increase.

Not only do you earn an initial discount, but your final rate reduction lasts as long as you abide by the terms and conditions of the program.

By enrolling, you may also qualify for the Travel Peace of Mind package. You can also earn additional car insurance discounts from American Family while enrolled in KnowYourDrive.

American Family KnowYourDrive app reviews are also positive. It has a 4.6-star rating in the Apple App Store and a 4.3-star rating in Apps on Google Play.

Finally, for customers concerned about how their data gets used, American Family does provide a privacy notice on the company website following state and federal laws.

What is American Family MilesMyWay?

American Family MilesMyWay is a pay-per-mile insurance program (PPM) offered to American Family customers for free. It only tracks the number of miles you drive.

Also called pay-as-you-drive insurance, this program provides you with discounts for driving less than 8,000 miles per year.

You can earn up to a 25% rate reduction each month. It’s ideal for low-mileage drivers.

According to the National Association of Insurance Commissioners (NAIC), the original telematics programs initially only tracked the number of miles driven. However, as technology advanced, so did UBI programs.

Technically, American Family introduced MilesMyWay to address the way COVID-19 impacted American drivers.

So if you don’t drive often, consider enrolling in MilesMyWay instead of KnowYourDrive, especially if you’re an imperfect driver.

American Family KnowYourDrive Program Review: The Bottom Line

Ultimately, KnowYourDrive from American Family is a highly-rated UBI program that many drivers will benefit from using. There are few to no consequences for enrolling.

To buy American Family KnowYourDrive car insurance, download the app if you’re an existing customer.

However, according to the company website, new customers should speak with an agent.

Earn your highest discount with safe driving techniques and keep track of your score in the app. The app even provides you with tips and advice to help you make safer choices.

Now that you’re an American Family KnowYourDrive car insurance company expert, find the right coverage for you by entering your ZIP code into our free comparison tool below to compare quotes from the best companies in your area.