Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

Full Bio →

Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Aug 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The Short of It

  • The American Family KnowYourDrive program is usage-based insurance (UBI) that tracks driving behaviors in exchange for a discount
  • The KnowYourDrive app can track driving behaviors such as mileage, time of day, speed, braking, acceleration, and distracted driving
  • Your discount can range between 2% and 20%, and your rates will never increase because of the app

Usage-based auto insurance programs are becoming increasingly popular. Many companies are creating apps and tracking devices that can help their policyholders earn discounts with safe driving.

The American Family KnowYourDrive program allows you to earn discounts on your American Family auto insurance policy. Below, we’ll discuss how the app works, what driving behaviors it tracks, how much of a discount you can earn, and more.

If you’d like to compare your American Family KnowYourDrive auto insurance quotes to quotes from other companies, enter your ZIP code into our free comparison tool above.

What is American Family KnowYourDrive auto insurance?

American Family’s KnowYourDrive app is part of their usage-based insurance program. Usage-based insurance (UBI) programs track driving behaviors to determine your auto insurance rates.

If you have an iPhone or Android smartphone, you can download the KnowYourDrive app and start tracking your driving behaviors using your data plan.

The app will store data regarding your driving to calculate a score that determines how much of a discount you’ll earn. Your score will range between 0 and 100, with 100 being the best, and the score is updated after every trip.

In the app, you can access the data about your driving and receive tips on how to improve, which can help you become a safe driver and earn larger discounts.

You can also make adjustments to trips if needed. For example, if you’re a passenger in a car, and the American Family Insurance KnowYourDrive app incorrectly assigns you as the driver, you have five days to change this.

While the app does run in the background, you may want to plug your phone in during trips to make sure it doesn’t die while the app is tracking.

The only requirement that you must meet to use the KnowYourDrive app is to have an American Family auto insurance policy. Not all drivers on your policy have to participate, but they can.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What driving habits does KnowYourDrive track?

The KnowYourDrive app can track many different driving behaviors. Some of the main ones that are taken into account when calculating your American Family KnowYourDrive discount are:

  • Mileage – The less you drive, the less likely it is that you’ll be in an accident.
  • Time of day – If you drive at night or during rush hour traffic, you will be at higher risk of an accident.
  • Speed – If you are consistently going a certain amount over the speed limit, the company will likely deem you to be a higher risk.
  • Acceleration – If you accelerate too fast too often, this could indicate reckless or unsafe driving.
  • Braking – If you are braking abruptly, this could mean that you’re driving too fast or following too closely.
  • Distracted driving – If you’re using your phone while driving, the app will flag this as distracted driving.

American Family receives the data from each trip and calculates your score to determine your policy discount.

How much is American Family KnowYourDrive insurance?

Let’s begin by taking a look at some basic American Family annual rates compared to state averages:

American Family Average Rates by State
StateAverage by StateAmerican Family Annual PremiumHigher/Lower%
North Dakota$4,165.84$3,812.40-$353.44-8.48%
South Dakota$3,982.27$4,047.47$65.201.64%
Get Your Rates Quote Now

Compare RatesStart Now →

Affordable American Family KnowYourDrive auto insurance rates should be lower than what appears in the chart.

After each of your trips, your calculated score will be adjusted, which will affect the discount you can receive. Your discount can range between 2% and 20%. Your rates will also never increase, even if the app tells you that you need to improve your driving.

What other auto insurance discounts does American Family offer?

While the KnowYourDrive discount is one of American Family’s most popular discounts, there are many others. Below is a list of some of the auto insurance discounts that American Family offers:

American Family Personal Auto Discounts
Personal Auto DiscountsDetails
Distant StudentUsually must be 100 miles away
Federal EmployeeSecurity times two
Good StudentUpper 20% of class
HomeownerNeed to be a homeowner
LoyaltyMust be a customer of American Family
MilitaryMay apply only to active personnel
OccupationEmployable may not count
Senior DriverAlso referred to as "Mature Driver"
Students & AlumniFor certain schools only
Young VolunteerUnder 25 and at least 40 hours of volunteer work per year
Get Your Rates Quote Now

Compare RatesStart Now →

American Family also offers multi-policy and multi-vehicle discounts, safe driver discounts, low mileage discounts, young volunteer discounts, autopay discounts, and more.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

What are American Family’s industry ratings?

The companies within the American Family Insurance Group have all been given A ratings from A.M. Best, meaning they are financially stable and are expected to meet their financial obligations, such as paying claims. American Family also has an A rating from the Better Business Bureau.

American Family insurance KnowYourDrive reviews have a common concern about accuracy within the app, but several people say it’s still worth it for whatever discount you can get (although it may not be the discount you should get).

How can I contact American Family?

You can contact American Family by calling (800) MYAMFAM or (800) 692-6326. You can also use the online chat feature on the company’s website Monday through Friday from 8 AM to 8 PM CST.

If you are already working with an insurance agent, they may be able to help answer your questions, and the American Family website can give you information about agents near you.

American Family’s mailing address is 6000 American Parkway, Madison, WI 53783.

Should I buy American Family KnowYourDrive auto insurance?

If you have an existing American Family auto insurance policy, you may benefit from joining the KnowYourDrive program. It can save you money on your policy and give you tips on how to improve your driving.

However, if you don’t have an American Family policy, you may want to check with your current provider to see if they have a similar UBI program before you decide to switch to American Family KnowYourDrive.

While the KnowYourDrive app is very easy to use generally, if you don’t have a new enough phone or a reliable data plan, you may not be able to use it.

If you know that your driving needs to be improved, it may be better to work on this before using the KnowYourDrive app. While it can’t increase your rates, American Family would become aware of any risky driving behaviors.

If you would still like to research other companies besides the American Family KnowYourDrive auto insurance company, enter your ZIP code into our free quote comparison tool below to find companies in your area.