Driving Device or App Discount: How Much Can You Save?

Most auto insurance providers will offer a driving device or app discount through their usage-based insurance programs. These programs are designed to promote safer driving and use the car monitor and app to track specific driving behaviors. Depending on the provider, discounts can be up to 40% based on how safely you drive.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 14, 2021

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Can't-Miss Facts

  • Driving device or app discounts are available through usage-based car insurance programs
  • These programs are designed to promote safer driving
  • Driving device or app discounts vary widely but can be up to 40%, with some companies

Have you heard of a driving device or app discount for auto insurance? These programs, also called safe-driver programs, are offered by many auto insurance companies and are designed to help you save money.

Keep reading to learn more about how you can enroll and how much you can save.

Do you want to start looking for a driving device or app discount asap? Enter your ZIP code above, and we will help you get started right away.

How do safe driving programs work?

These programs are designed to save drivers money and promote safer driving behaviors. Each program will send out a car monitor or use an app that tracks your driving behaviors once you have enrolled in the program.

Once your device or app, or both, are installed, you are then able to start earning your discount. While each program has its own unique features, the majority of them will track the same behaviors, including:

  • Speeding
  • Turning
  • Distracted driving
  • Mileage
  • Sudden stops or accelerations

These behaviors are chosen because they are statistically shown to have an impact on car crashes. For example, according to the Insurance Information Institute, speeding was a huge contributor to fatal car crashes just in 2020.

Because of this, most apps will track your speed and can compare this to listed speed limits.

Once you have downloaded the app and/or installed the driving device, you are ready to hit the road.

The app will send you notifications on how to improve throughout the term of your policy, usually anywhere from three to six months.

One of the biggest benefits of these programs is that they are free. The auto insurance company provides the necessary driving deals to promote safer behaviors on the road.

After all, the fewer accidents that drivers get into, the less money auto insurance companies will pay in claims.

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Does my auto insurance company offer a safe driving program?

Probably. The vast majority of auto insurance companies now offer a safe driver discount or usage-based insurance program. Here’s just a few:

  • Nationwide SmartRide
  • Progressive Snapshot
  • Allstate Drivewise
  • State Farm Drive Safe and Save

While each of these programs has its own unique spin, they all essentially do the same thing. They offer you discounts based on how well you drive.

The discounts vary, with Nationwide offering the largest of 40%. State Farm comes in a close second with a 30% discount on monthly auto insurance rates.

If you are looking to save money and want to make the road a little safer, usage-based insurance programs are a great way to do both.

Are you ready to start comparing the driving device or app discount offered by various companies? Enter your ZIP code below, and we will help you find the right provider for you.

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