Driving Doodle

Usage-Based Programs Overview

  • Personalize your auto rate
  • Discounted premiums*
  • Tips to help you choose the right program to fit your needs
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What is Usage-Based Insurance?

Usage-Based Insurance (UBI) is a type of auto insurance that uses technology to customize the cost of your policy. Data collected is used to calculate your insurance premium. This could save you money. You can choose a program that helps you pay based on how you drive or one that lets you pay as you drive.

When it comes to your auto insurance, you should be behind the wheel.

Good news!

Your safe driving behaviors can put you there and even save you money.

How?

With usage-based insurance which is sometimes called UBI.

Usage-based insurance gives you more control over what you pay for car insurance because you pay how you drive.

This means the safer you drive, the more you can save.

You'll also help keep the roads safer at the same time.

It's a win-win.

How do you get started with usage-based insurance?

For many UBI programs, you can start the enrollment process by contacting your insurance agent.

Next, many programs require you to install an app on your smartphone, although some programs may require installing a separate tracking device in your vehicle.

Then, start driving and showing off your safe driving skills.

It's that easy.

What kind of behaviors do most usage-based insurance programs track?

Common ones include speed, braking, acceleration, cell phone use, and time spent driving.

Many apps will show you how your safe driving behaviors contribute to your savings, and some even offer tips to help you potentially save even more.

The last step, enjoy your savings.

Depending on how safely you drive over the monitoring period you may qualify for savings on your auto insurance.

Overall, usage-based programs can help you become a smarter, safer driver keep the roads safer for everyone, practice distraction-free driving and earn savings on your insurance.

Ready to get started?

Great news!

American Family Insurance offers usage-based insurance programs designed to help you save.

When you enroll in one of American Family's usage-based programs, you can earn savings on your auto insurance based on your safe driving behaviors.

Practice safe driving habits and you'll have the opportunity to save even more on your insurance.

Contact an American Family insurance agent today to see how a usage-based insurance can make you a safer, smarter driver and even save you money.

American Family Insurance

Best For:

  • Drivers who want to personalize their car insurance costs based on how and where they drive
  • Drivers who would like to only pay for their fair share based on either their driving behavior or mileage driven
  • Drivers who are comfortable using technology to gain knowledge about their driving habits using either a mobile app or device in their car

Compare our programs

American Family Insurance offers three usage-based driving programs: DriveMyWay, MilesMyWay, and New MilesMyWay, giving you more control to help you only pay your fair share.

Highlights

DriveMyWay

MilesMyWay

New MilesMyWay

Eligible States
Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, Wisconsin
Arizona, Colorado, Georgia, Kansas, Minnesota, Missouri, Nebraska, Nevada, North, Dakota, Ohio, Oregon, Washington
Available in these states: Idaho, Illinois, Indiana, Iowa, South, Dakota, Utah, Wisconsin
A Good Choice For
Drivers who practice safe driving behaviors and want to control their insurance costs
-Drive less than 8,000 miles (or approx. 20 miles per day) per year, -Want to pay based on the miles they drive, -No penalties for driving over 8,000
-Drive less than 8,000 miles (or approx. 20 miles per day) per year, -Want to pay based on the miles they drive, -No penalties for driving over 8,000
Enrollment
-When you quote and buy online, -Contact your local agent
Contact your local agent
-When you quote and buy online, -Contact your local agent
Set Up
-Download the free MyAmFamDrive app, -Register your account
1.Install the small sensor that goes inside your car 2.Download the free MyAmFamDrive app 3.Register your account
1.Open the upload site using the link sent to you 2.Send odometer photo 3.Upload a second photo before renewal 4.Submit a second photo before renewal
Possible Savings
-Up to a 10% introductory discount, -Between 5% and 20% discount based on the safe driving behavior, **Please note that higher-risk drivers may see their rate increase. In addition, other factors — like inflation or changes in state regulation — may also affect your rate, causing it to go up or down.  
-5% introductory discount for the first two months of enrollment***, -Up to 25% for each enrolled car each month***
-Instant 5% introductory discount at sign up, -Earn savings of up to 25% during renewal***

Pick Your Program

Call us at 1-800-MYAMFAM to get a quote and begin controlling what you pay.
DriveMyWay

DriveMyWay

A pay-how-you-drive program that personalizes your auto insurance rate based on your safe driving behaviors.
MilesMyWay

MilesMyWay

A program for low-mileage drivers. The fewer miles you drive the more you save.