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Know your drive

Get On The Road to Safety and Savings with KnowYourDrive

Learn safe driving habits, and we’ll reward you with savings on your car insurance! Get started now with an initial 5% discount*, and qualify for up to 20% in savings.* It’s our way of helping you protect what matters most.

*Program discounts will vary based on driving behavior. The KnowYourDrive discount applies only to the following variable coverages, which are typical for most auto policies: bodily injury liability, property damage liability, collision and comprehensive, medical expense, and personal injury protection. To refresh your understanding of these coverages, visit Additionally, the discount does not apply to fixed fees that are part of your policy.

These tips can get you on the road to safety, savings and peace of mind.

  1. Know Your Drive uses cutting edge technology that analyzes a bunch of aspects of your driving and behavior to identify whether you’re a driver in a car, a passenger in a car, or traveling via some other mode of transit.

    On occasion, the app may mis-classify a trip. When this happens, just tap on the trip within 5 days and edit the mode by tapping the transit mode icon in the top right corner. This information also helps the app better classify future trips.

  2. There are many possible reasons that a trip may not show correctly on the app, like reaching your phone’s maximum storage capacity, weak GPS signals, lack of sufficient amount of battery or something else. If you’re having issues with your information in the app, contact the KnowYourDrive Support Center.
  3. Like all apps that use your location, KnowYourDrive uses a small amount of battery when you're not driving, and slightly more while you're taking a trip. Most people won't notice a significant battery difference after installing Know Your Drive, but if you have a particularly long commute or an older phone, you may want to plug in while driving.
  4. The program score is calculated from each individual driver’s score. The comprehensive program score is then used to determine your KnowYourDrive program discount. Please note, only the individual’s personalized driving score is displayed on the app.
  5. Your score is a measure of how safely you drive. Your score will update 5 to 10 minutes after a trip, with a score ranging from 0 to 100.
  6. You'll need a smartphone that has an iOS (Apple) or Android operating system. Apple requirements: iphone 5 and newer running iOS 9.0 or later; Android requirements: Android 4.3 and up. On average, the app uses 60-70 megabytes of data per month, though this varies depending on the actual driving time. The app prefers to upload from Wi-Fi networks when possible, and will only upload via the cellular data when Wi-Fi is not available for an extended period after a trip finishes.

  7. Either the intro discount or the calculated discount will remain as long as you follow the terms and conditions of the program. Program requires ongoing participation by all drivers on the policy to maintain the discount.

  8. You can voluntarily opt out of the program by choosing the “Opt Out” option in My Account or by contacting their agent.

  9. Your insurance premium will not increase due to your participation in KnowYourDrive Smartphone. The discount can fluctuate over time depending on your driving behavior and will be adjusted at renewal.

Existing Customer?
Contact your agent to enroll in KnowYourDrive. Click here to find your agent.
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