Guides
Telematics programs from the major insurers compared
Side-by-side comparison of the big insurers' telematics programs: current names, how each collects data, and whether your rate can go up. Checked October 2026.
Most large U.S. auto insurers now offer a telematics program that scores your driving through a phone app, a plug-in device or a small in-car beacon. The biggest difference between them is not the advertised discount but whether a poor score can raise your premium: Progressive, Allstate, Liberty Mutual, Travelers, American Family and Farmers say riskier driving can lead to a higher rate in most states where their programs are offered, while Nationwide and, for most policies, USAA describe their programs as discount-only. The tables below summarize each program as its insurer describes it.
Behavior-based programs
Program names, data collection methods and rate rules below were checked against each insurer's own website in October 2026. Discounts are the insurers' advertised "up to" or typical figures, not what you will receive, and every program varies by state.
| Insurer | Program | How data is collected | Can your rate go up? | Advertised savings and limits |
|---|---|---|---|---|
| Progressive | Snapshot | Snapshot mobile app, or a plug-in device in the car's diagnostic (OBD-II) port | Yes. "Your rate may increase with high-risk driving"; Progressive says about 2 in 10 drivers get an increase | Sign-up discount for new customers; not available in California |
| State Farm | Drive Safe & Save | State Farm app plus a Bluetooth beacon mounted in the car | Discount-based, but the adjustment "may increase or decrease at each renewal"; a premium with a low-mileage reduction can rise if you drive more than estimated | 10% initial participation discount, up to 30%; not available in CA, MA or RI |
| Allstate | Drivewise | Allstate mobile app; data collection is run by Allstate affiliate Arity | Yes, except in New York: drivers with riskier behaviors "could see their rates increased" | Participation discount that does not decline while you stay active |
| GEICO | DriveEasy | GEICO Mobile app | Not described as discount-only: premiums "generally will vary" with participation and the habits the app logs | GEICO lists DriveEasy savings as "typically, between 5 - 15%"; not offered in CA, HI or VT |
| Nationwide | SmartRide | SmartRide app (a device in some cases); some connected cars already qualify | No. Nationwide calls it "a discount program" that does not raise rates; in VA and WA the discount can decrease at renewal | Enrollment discount, then up to 40%; the program runs about four to six months |
| Liberty Mutual | RightTrack | Liberty Mutual Mobile app; a 90-day version or a continuous version, depending on state and policy | Yes in most cases: riskier driving "can result in a price increase"; Liberty says a discount is guaranteed in some states | 10% or 15% participation discount (15% when every driver takes part in the continuous version); up to 30% |
| Travelers | IntelliDrive | IntelliDrive smartphone app for a 90-day period; IntelliDrive Plus is a continuous app program in select states | Yes, except in DC, MT, NC and VA | Up to 30% (40% in NV, 25% in NJ); offered only in select states |
| USAA | SafePilot | USAA DriveSafe app | USAA says no for policies written by its main underwriting companies; its footnotes say policies with other USAA affiliates enrolled from October 2026 may see an increase | Enrollment discount (up to 15% in most states), then up to 30% at renewal; not available in California |
| American Family | DriveMyWay | DriveMyWay app (separate from the MyAmFam app), with a 99-trip trial period | Yes: "Unsafe driving behaviors may increase your rate" | 15% introductory discount; AmFam says most enrolled customers save 10% to 35% |
| Farmers | Signal | Signal app using the phone's location sensors, accelerometer and gyroscope | Yes: riskier driving "could result in a higher renewal premium" | Initial enrollment discount; not available in FL, HI or NY, and the discount is not available in CA |
A note on names. American Family's current app-based program is DriveMyWay; its website mentions KnowYourDrive only as an earlier program whose data helped set DriveMyWay's pricing. Liberty Mutual is moving RightTrack customers from the Safeco Mobile app to the Liberty Mutual Mobile app, with a deadline of October 28, 2026 for continuous-program participants.
Mileage-based programs
These programs price mainly on how much you drive rather than how. For the math, see pay-per-mile car insurance: how the pricing works and the pay-per-mile break-even calculator.
| Insurer | Program | How miles are measured | How it works |
|---|---|---|---|
| Allstate | Milewise | Plug-in device, with costs shown in the Allstate app | Daily rate plus a per-mile rate; an "Unlimited" vehicle option pays only the daily rate |
| Nationwide | SmartMiles | Plug-in device or an eligible connected car | Base premium plus a cost per mile, billed monthly; up to a 10% safe-driving discount after the first renewal; not available in AK, HI, LA, MI, NC, NY or OK |
| USAA | SafePilot Miles | USAA DriveSafe app | Monthly bill varies with miles; up to 20% for fewer miles plus up to 20% for safe driving; not available in CA, MD, MI, NJ, NY, NC or PA |
| American Family | MilesMyWay | Odometer photos | Not pay-per-mile: a low-mileage discount of up to 25% for driving about 20 miles a day or less |
How to read the comparison
"Can your rate go up?" matters more than the maximum discount. A program that can surcharge risky driving is a bet on your own habits. If you regularly drive after midnight, brake hard in heavy traffic or handle your phone while driving, a discount-only program is the safer choice.
Monitoring periods differ. Travelers' IntelliDrive and Liberty Mutual's 90-day RightTrack score you once and apply the result for the life of the policy. Continuous programs, such as State Farm's and Liberty Mutual's continuous RightTrack, recalculate at each renewal, so a good score must be maintained.
Everyone on the policy may need to take part. GEICO says all enrolled drivers must participate; USAA requires everyone on the policy to participate in SafePilot Miles; Liberty Mutual and Travelers tie part of the discount to how many drivers enroll.
State rules shape every program. In California, regulations allow insurers to use a device to verify miles driven but not to collect the car's location for rating, which is why Snapshot, DriveEasy, Drive Safe & Save and SafePilot are not offered there. Other states cap discounts or bar surcharges, as the footnotes above show.
Questions to ask before you enroll
- Can my premium go above what I would pay without the program, in my state?
- How long am I monitored, and does my score last for the life of the policy or reset at renewal?
- What happens to my discount if I opt out, or if a driver does not install the app?
- Which behaviors are scored, and how are trips as a passenger handled?
- What data is collected, how long is it kept, and can it be used in a claim? (See what driving apps collect and how insurers use it.)
- Does the program need an app, a device or a beacon, and does my phone or car qualify?
For how these programs fit into insurance pricing generally, see usage-based car insurance explained.
Key takeaways
- Every major insurer listed offers a telematics program, but the rules differ more than the discounts.
- Progressive, Allstate, Liberty Mutual, Travelers, American Family and Farmers say risky driving can raise your rate in most states; Nationwide SmartRide is discount-only, and USAA SafePilot is discount-only for most policies.
- Most programs now run on a smartphone app; Progressive also offers a plug-in device and State Farm pairs its app with a Bluetooth beacon.
- Mileage programs (Milewise, SmartMiles, SafePilot Miles, MilesMyWay) suit low-mileage drivers.
- Several programs are not available in California because state rules limit rating devices to mileage.