DriveMyWay Scoring
Get a personalized rate based on your save driving behaviors!
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What Does My DriveMyWay Score Mean?
The DriveMyWay score at the top of your smartphone app shows your accident risk based on your driving habits. Your score will be between 0 - 100.
- Scores closer to 0 indicate a higher accident risk
- Scores closer to 100 indicate a lower accident risk
Where Can I Find My Driving Score?
If you’re the only person on your auto policy, you can find your 12-month score at the top of the app.
If there are other people on your auto policy, you can find the 12-month score for each driver on your policy who is enrolled in DriveMyWay in the Family section of the app.
How is my driving behavior scored?
The app collects and analyzes your driving data and then provides an overall driving score out of 100. This score can affect what you pay for auto insurance. For each driving behavior below, the app provides a specific subscore.
Hard Braking
Measures when the vehicle stops abruptly or slows down 7mph or more in one second.
Phone Use
Measures when a person is actively using their phone while the vehicle is moving; examples include minimizing screens, texting, and making a handheld call.
Speeding
Measures when a person is driving 10mph or more above the posted speed limit.
Behavior Scoring Variables
Certain variables, such as those listed below, are also used to score your driving behaviors. Research shows these factors can increase your risk of having an accident. By adjusting your driving habits based on the feedback you receive from the app, you can improve your safe driving behavior — and increase your savings!
Hours Driven
Measures the amount of time the vehicle is driven
Evening Driving
Measures the total driving time between 6 PM - 12 midnight
Late-night Driving
Measures the total driving time between 12 midnight - 4 AM
Average Speed
Measures your average speed over the course of your trip (including idle time)
Number of Short Trips
Measures the number of trips that are less than 5 minutes in duration (a higher number of short trips is typically better because it indicates you often travel to areas you’re familiar with)
How Does My Score Impact My Insurance Rate?
In the DriveMyWay program, each participating driver will have an individual DriveMyWay score. These individual driver scores all contribute to your overall policy score. DriveMyWay uses your policy score to determine your personalized rate on your auto insurance policy.
To calculate your policy score:
Use this chart to help you see if you’re projected to save on your auto insurance rate based on your overall policy score.*
- Add the scores for all participating drivers on your policy.
- Divide the total score by the number of participating drivers on your policy.
Note: If you have drivers on your policy who are not enrolled in DriveMyWay, that may reduce your policy score and keep you from achieving your best rate.
Imagine you are in a two-driver household where you have a DriveMyWay score of 68 and the second driver has a DriveMyWay score of 84.
- Add the two scores (68 + 84 = 152)
- Divide the total by the number of drivers on the policy (152 divided by 2 = 76)
- Your overall policy score = 76
- Using the chart, a policy score of 76 is projected to give you savings on your rate!
When and How Is My Rate Calculated?
Your DriveMyWay rate impact is calculated at your next policy renewal. Keep in mind your score may change over time based on the safe driving behaviors of all participating drivers on your policy.
In addition to your DriveMyWay score, the amount you pay for insurance can also fluctuate based on other factors such as accident claims, driving violations, requested changes to your policy, discounts that were removed or planned rate increases.
I Received My Score. What Are My Options?
On day 90 of your 100-day trial period, you’ll receive an email showing your current DriveMyWay score. At this point, you will have two program participation options to choose from.
If you choose to continue participating in the DriveMyWay program, your personalized rate will be applied at your next renewal. If you choose to unenroll from the DriveMyWay program after the 100-day trial period ends, your driving behavior at the time of unenrollment will be used to calculate the rate applied at your next renewal.
If you choose to continue participating in the DriveMyWay program, your personalized rate will be applied at your next renewal. If you choose to unenroll from the DriveMyWay program after the 100-day trial period ends, your driving behavior at the time of unenrollment will be used to calculate the rate applied at your next renewal.
Like your score or want to improve your score?
Keep the app for the opportunity to improve your personalized rate at your next renewal — plus enjoy a 5% ongoing participation savings at your next renewal for your continued enrollment in DriveMyWay.*
Decide the program isn’t right for you?
If you decided DriveMyWay isn’t for you, contact your agent to unenroll all drivers before the 100-day trial period ends. This will result in the DriveMyWay score not being used to calculate your auto insurance rate. Unenrollment will remove any introductory and/or participation discounts from your policy. In addition, if you unenroll drivers after the 100-day trial period ends, we’ll still use their driving behavior at the time of unenrollment when calculating your rate.
How Can I Improve My Score?
Need tips for improving your driving score? Start by focusing on areas of improvement. Go to the Your Trends section of your app for help in determining which driving behaviors you may want to focus on to increase your score. If there are other drivers in your household, you can ask them to do the same.
Here are a few tips to help!
Here are a few tips to help!
Minimize phone use
- Use hands-free features. Using Bluetooth technology or connecting your phone with your vehicle’s built-in functions can let you use voice commands so you can keep your eyes on the road.
- Mount your phone at eye level. If you need to use your phone’s GPS for navigation, consider purchasing a phone mount that can hold your phone near your normal line of sight while driving. That way, you can keep both hands on the wheel.
- Keep your phone out of reach. If you don’t need to use your phone for navigation or if you can communicate using hands-free features, consider keeping your phone somewhere in your car where you can’t reach it while driving.
Reduce hard braking
- Follow the 3-second rule. Watch the car in front of you. When it passes a landmark like a road sign, count how long it takes for you to pass that landmark. Leaving a three-second gap is best when driving conditions and visibility are good. Leave more room when conditions are poor.
- Take a deep breath and relax. Self-care and relaxation techniques can help you remain calm and potentially avoid dangerous driving behaviors like road rage and hard braking.
- Give yourself more time and slow down. Dangerous driving behaviors like speeding or hard braking may be more likely to occur when you’re running late. Try to leave early enough so you’re not stressed getting to your destination on time.
- Reduce distractions. Remember, distracted driving is dangerous driving. Keep yourself and others safe by resisting the urge to text or use your phone while driving.
- Drive defensively. Stay alert and watch what other drivers are doing so you can react to dangerous situations earlier and avoid slamming on the brakes.
Reduce speeding
- Use cruise control. Setting a consistent speed using cruise control can help you stop speeding, but it’s best to use this feature when the speed limit will be the same for a long stretch of road. It’s also important to continue paying attention to the road so you can react quickly if you need to slow down.
- Look at your speedometer. Your car’s speedometer tells you how fast you’re going, so check it often and slow down when you’re going over the speed limit. Over time, your speedometer can become less accurate and move out of alignment. If you notice you’re passing cars but going the speed limit, consider visiting your auto repair shop to have your speedometer’s accuracy checked.
- Practice leaving early. If you’re running late, chances are you may speed to get where you need to be on time. Using your phone’s alarm feature, practice giving yourself enough time to get ready and out the door on time, which may help decrease the pressure to speed.
- Try to reduce stress. Like hard braking, speeding can be caused by stress or anxiety. Take a deep breath, practice relaxation techniques and remain calm while driving.
More tips
- Enroll all drivers on your policy in DriveMyWay. When every driver on your policy participates in the program and practices safe driving behaviors, you can get the best savings on your rate.
- Consider changing how much or when you drive. Accident risk increases the more you are on the road, and if you drive between 6 PM - 4 AM. Consider avoiding late-night driving or try carpooling, public transportation or biking to help reduce how much you drive.
Additional Questions About DriveMyWay
If you have any questions about DriveMyWay checkout the resources below.
Contact Your Agent
Don’t have an agent? Use our find an agent tool to find an agent near you.
The information on this webpage represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.
*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 behaviors from the KnowYourDrive program were used to inform rate structure. A policy is eligible for a personalized rate once one driver has passed 90 days and 10 hours or 180 days and 30 minutes of driving. Adding or removing drivers from a policy may impact the overall score. Households where not all eligible participants on the policy are enrolled will receive a 5% introductory discount.