Usage-based car insurance overview
What is usage-based auto insurance?
When it comes to auto insurance, shouldn't you be in the driver's seat? With our usage-based insurance options, you can steer your way to a personalized rate.
Usage-based insurance gives you more control over what you pay, based on either your driving habits, or how many miles you drive. In other words, you only pay your fair share.
We offer two programs to choose from.
DriveMyWay is based on your safe driving habits. You could save between 10% and 35%, and getting started is easy.
Once you enroll, you'll receive a text message to install the DriveMyWay app on your smartphone, then, you just start driving.
You can check your progress in the app at any time, and see your latest safe driving score.
DriveMyWay even provides smart tips to improve your score and savings. Continue to boost your safe driving habits to potentially save more.
Or, you can choose MilesMyWay, our program that rewards lower mileage drivers, helping you save up to 25%.
With MilesMyWay, the less you drive, the more you could save. Simply snap a photo of your odometer prior to each renewal, and we'll use your latest mileage to determine your savings.
MilesMyWay may be a great fit if you work remotely, have a short commute, or are retired.
So if you want to get rewarded for your low mileage driving, you could save up to 25% with this easy program.
Ready to take the next step? Contact your American Family Insurance agent today to learn how you can personalize your auto rate and take control over what you pay.
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About usage-based auto insurance
About DriveMyWay
DriveMyWay is a usage-based car insurance program that uses an app to personalize your rate based on your driving habits. The safer you drive, the more you may save. Once enrolled, you have 99 trips to try it out.
Learn more about DriveMyWay
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About MilesMyWay
Compare usage-based auto insurance programs
Highlights | DriveMyWay | MilesMyWay |
|---|---|---|
Enrollment discount | 15%* | 10%** |
Potential savings details | 10% - 35%* Most drivers save, but high-risk drivers may see a rate increase* | Up to 25%** No discount if you drive over 8,000 miles per year (or about 20 miles per day). No penalties*** |
Program goal | Get personalized auto insurance rates based on your driving habits. | Control how much you pay for car insurance based on your low mileage |
Enrollment | Sign up when you buy auto coverage online or contact your agent | Sign up when you buy auto coverage online or contact your agent |
Getting started | Download and open the free DriveMyWay app to set up | Using your enrollment link, snap and upload a photo of your enrolled vehicle’s odometer |
Other UBI-program benefits |
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Opting out | Flexibility to opt out at any time. You will lose your introductory discount during your first term and the participation discount thereafter* | Flexibility to opt out at any time. You will lose your introductory discount during your first term and any forecasted discount thereafter* |
Availability | All operating states | All states excluding Kansas |
Usage-based car insurance resources
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Do it yourself
*DriveMyWay plans & discounts may vary by state. Rate will vary based on driving behavior. Unsafe driving behaviors may increase your rate. Product eligibility will vary by state, vehicle type, policy form and company underwriting the auto policy. Some restrictions may apply. The DriveMyWay rate factor applies only to these coverages, which are typical for most auto policies: bodily injury liability, property damage liability, collision and comprehensive, medical expense and personal injury protection. Additionally, the rate factor does not apply to fixed fees that are part of the policy. To refresh your understanding of coverages, visit the Car Insurance Coverage page. Customer driving data from the DriveMyWay & KnowYourDrive programs were used to inform rate structure. If you choose to unenroll anytime after the trial period ends, we’ll use your latest program score when calculating your rate at future renewals.
**MilesMyWay savings apply only to the following variable coverages, which are typical for most auto policies: bodily injury liability, property damage liability, collision and comprehensive, medical expense, underinsured and uninsured and personal injury protection. Additionally, the savings do not apply to fixed fees that are part of your policy. Savings are applied to the vehicle-specific premium, not a customer’s overall premium.
***While you are not surcharged for driving more than the allowable miles limit as outlined within the MilesMyWay Program Terms & Conditions. You may see the program discount reduce each policy term when driving a higher number of miles. Additionally your policy maybe impacted by rate increases from time to time.