American Family KnowYourDrive Program Review [2022]

You can earn a 20% rate reduction by enrolling in affordable American Family KnowYourDrive car insurance, a usage-based program. Fortunately, the American Family KnowYourDrive program reviews from customers are positive, as you get an initial 10% discount simply for enrolling, and you won’t see any rate increases based on your driving. Access your American Family insurance login to sign up for KnowYourDrive.

UPDATED: Oct 20, 2022Fact Checked

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Oct 20, 2022

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Company Details
Address: 6000 American Parkway
City: Madison
State: Wisconsin
ZIP Code: 53783
Phone Number: (800) 692-6326
Year Founded: 1927
AM Best Rating: A (Excellent)

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.

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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.

Reviews
for American Family Insurance

4.04 (2,180 reviews)
5
September 6, 2022

TammyNelson

Great auto insurance for Costco Members through Connect

I like working direct with insurance companies for simple coverage like auto insurance. They make it easy. They're professional and knowledgeable and fast. Great discounts for Costco members too.
5
January 15, 2021

Doggy

Awesome

Awesome, highly recommend using this company. Best I’ve ever dealt with thus far, great costumer service
4
January 14, 2021

flip2score7

am fam review

for the most part, there have been no issues in the years I have been on their insurance with family and then subsequently purchasing my own with them. however, they are sometimes slow to send things out.
2
October 15, 2020

timtone

Unexpected charges

They charged me a fee to use my card instead of a check what is this 1965? I left for a more 2020 provider esurance!
5
October 15, 2020

ely135

American Family tops any other insurance company

This insurance company really goes the extra mile. They are always willing to walk you through anything you need help with and explain things you may not quite understand. They even have check-ins every 6 months or so to make sure your policy is still suited for your current needs and that you aren't missing out on any applicable discounts. Moreover, American Family offers an incredible amount of discounts. I would be shocked if any individuals a...
This insurance company really goes the extra mile. They are always willing to walk you through anything you need help with and explain things you may not quite understand. They even have check-ins every 6 months or so to make sure your policy is still suited for your current needs and that you aren't missing out on any applicable discounts. Moreover, American Family offers an incredible amount of discounts. I would be shocked if any individuals actually received a quote that did not have at least one discount on it! When a company has amazing customer service and really cares about saving you money, it's hard to believe that the coverage you are provided could really be anything other than terrible. American Family strives to leave you flabbergasted. My auto insurance is everything I want/need, and I'm paying a premium that is $200 below what any and all other companies quoted me!
5
October 12, 2020

snoopyhugs18

When a 90-minute Meeting Saved Us $596!

Because we have our Condo Insurance with American Family, our local agent reached out to my husband and me to review that policy at the time of its annual renewal. I appreciated the ability to do this--in person (with proper precautions taken) even in spite of COVID-19. During this meeting, we requested an Auto Insurance quote, and we were thrilled to discover that American Family could save us approx. $596 annually for identical coverage if we s...
Because we have our Condo Insurance with American Family, our local agent reached out to my husband and me to review that policy at the time of its annual renewal. I appreciated the ability to do this--in person (with proper precautions taken) even in spite of COVID-19. During this meeting, we requested an Auto Insurance quote, and we were thrilled to discover that American Family could save us approx. $596 annually for identical coverage if we switched from our former insurer! The new policy was underwritten and ready for us to sign in less than 24 hours. American Family's online tools are easy and efficient to use, yet they look and feel secure. After a 6-year break from American Family because there was no local agent where we previously lived, I am so glad to be back!
5
October 2, 2020

DomMar35

Boss

American Family Insurance is an amazing company that acts quickly on claims and works to ensure customer satisfaction
5
October 2, 2020

ruthjahncoz

a bright point in a dark time

We were in a bad car crash. The other car was at fault, but we had car replacement coverage. We had the money to buy a new to us car in less than three weeks. We covered our new to us car with them. We had to talk to several departments during this time and everyone was helpful.
5
June 12, 2020

LillyM

Young but excited about Insurance!

I think they are good so far, I can't wait to get the decrease in insurance payment at the age of 25. Just 6 more years to go!
5
May 5, 2020

KatieM

My AMFAM experience

Good service always! very friendly, easy to work with, available to anser all my quesitions, very profesional .
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