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Telematics program finder

Side-by-side disclosures from the major carrier telematics programs. Every verified cell quotes the carrier’s own wording with the source link and the date we last checked it; unverified cells show the pending label instead of a guess.

By YesWeSure EditorialReviewed Editorial standardsReport an errorSources

THE SHORT ANSWER

A telematics program is only safe to opt into if you know whether it can raise your rate, how long it tracks, and the max discount it can earn. We put the carrier’s own current disclosures side by side instead of a glossy summary.

The programs

Progressive · Snapshot

Our Progressive review →

Progressive’s usage-based program, available as either a mobile app or an OBD-II plug-in device.

Can it raise your rate?
"Your rate may increase with high-risk driving. But, only about 2 out of 10 drivers actually get an increase." Progressive discloses that Snapshot is a two-way program; most drivers save but a minority see an increase.
Verified Oct 25, 2026 · Progressive
Tracking length
Not stated as a specific day count on Progressive’s Snapshot page; your final personalized rate is applied at the next renewal based on your results.
Verified Oct 25, 2026 · Progressive
Max discount
Not disclosed as a maximum percentage on the public product page. Progressive publishes average savings ($164 at sign-up, $328 at renewal) rather than a cap.
Verified Oct 25, 2026 · Progressive
App vs device
Both. The mobile app is the default option; the plug-in device (OBD-II port) is available as an alternative.
Verified Oct 25, 2026 · Progressive
State restrictions
"Snapshot not available in CA." Program also carries noted limitations in NC, HI, NY, and MT; NY is excluded from the participation discount.
Verified Oct 25, 2026 · Progressive

Nationwide · SmartRide

Our Nationwide review →

Nationwide’s one-way (discount-only) telematics program in most states, with two state-specific carve-outs.

Can it raise your rate?
"This is a discount program. SmartRide measures driving behavior to reward you with a discount, not raise your rates." Carve-out: "In Virginia and Washington, the discount may decrease at renewal based on changes in driving behavior."
Verified Oct 25, 2026 · Nationwide
Tracking length
The program "lasts about four to six months."
Verified Oct 25, 2026 · Nationwide
Max discount
Up to 40% discount for safe driving.
Verified Oct 25, 2026 · Nationwide
App vs device
Both. The SmartRide app is the default enrollment path; a device program is available as an alternative for certain situations.
Verified Oct 25, 2026 · Nationwide
State restrictions
"Availability varies; program criteria differs in California and North Carolina." In Michigan and Washington, the discount is applied at renewal rather than up front.
Verified Oct 25, 2026 · Nationwide

State Farm · Drive Safe & Save

Our State Farm review →

State Farm’s telematics program; app with a required Bluetooth beacon, with a guaranteed 10% initial participation discount.

Can it raise your rate?
"Changes in your driving will be reflected in your adjusted amount, so it may increase or decrease at each renewal." Mileage above the low-mileage threshold can also trigger a premium increase at renewal.
Verified Oct 25, 2026 · State Farm
Tracking length
Premium adjustments are "calculated at each policy renewal (typically every six months) using driving information from up to the prior 12 months when available."
Verified Oct 25, 2026 · State Farm
Max discount
Up to 30% discount. "Premium adjustment may exceed 30% and vary state-to-state (NY capped at 30%)."
Verified Oct 25, 2026 · State Farm
App vs device
App plus a required Bluetooth beacon installed in the vehicle. The app captures trip maps and feedback once the beacon is paired.
Verified Oct 25, 2026 · State Farm
State restrictions
"Not available in CA, RI. A premium adjustment may not be available in NC depending on individual facts and circumstances."
Verified Oct 25, 2026 · State Farm

Liberty Mutual · RightTrack

Our Liberty Mutual review →

Liberty Mutual’s 90-day telematics program; a 10% enrollment discount up to 30% at renewal, with a non-fulfillment surcharge disclosed by Liberty Mutual itself.

Can it raise your rate?
If participating drivers opt out within 45 days or Liberty Mutual cannot collect enough driving data to score the policy, the enrollment discount can be lost and a non-fulfillment surcharge may apply, per Liberty Mutual's own disclosures. Not pure "discount only."
Verified Oct 23, 2026 · Liberty Mutual Insurance
Tracking length
90-day measurement window after enrollment, then a performance-based discount is applied at the next renewal.
Verified Oct 23, 2026 · Liberty Mutual Insurance
Max discount
10% enrollment discount; up to 30% total at renewal depending on where you score on the performance scale.
Verified Oct 23, 2026 · Liberty Mutual Insurance
App vs device
Smartphone app (default); device option available in some filings. State-filed, so the actual delivery mode depends on your state.
Verified Oct 23, 2026 · Liberty Mutual Insurance
State restrictions
Program mechanics are state-filed; RightTrack is not available in every state. See the Liberty Mutual product page for the current state list.
Verified Oct 23, 2026 · Liberty Mutual Insurance

Allstate · Drivewise

Our Allstate review →

Allstate’s app-based telematics program; up to 10% initial enrollment discount, with a rate-increase mechanic in every state except New York.

Can it raise your rate?
Allstate states directly that drivers frequently exhibiting riskier behaviors could see their rates increased, except in New York, to reflect that higher risk. Two-way program.
Verified Sep 28, 2026 · Allstate
Tracking length
Ongoing monitoring; savings for meeting participation requirements are reviewed at each renewal. Allstate does not publish a fixed-length measurement window.
Verified Sep 28, 2026 · Allstate
Max discount
Up to 10% initial enrollment discount; full-participation savings require all drivers on the policy to enroll and complete a defined number of trips.
Verified Sep 28, 2026 · Allstate
App vs device
Allstate mobile app with location services enabled. Behaviors evaluated for pricing include speed, hard braking, and time of day; phone-use treatment for pricing varies by state and may differ from in-app feedback.
Verified Sep 28, 2026 · Allstate
State restrictions
Rate-increase mechanic applies in every state except New York. State-specific filings govern enrollment and participation details.
Verified Sep 28, 2026 · Allstate

Travelers · IntelliDrive

Our Travelers review →

Travelers’s 90-day telematics program; up to 30% at renewal (40% in Nevada; 25% in North Carolina and New Jersey). Two-way, except in DC, MT, NC, and VA.

Can it raise your rate?
Riskier driving habits may result in a higher premium. Explicit two-way program with four exceptions: DC, Montana, North Carolina, and Virginia.
Verified Oct 23, 2026 · Travelers
Tracking length
90-day smartphone-based monitoring program (standard footprint); state-specific variants have different windows.
Verified Oct 23, 2026 · Travelers
Max discount
Up to 30% at renewal (40% in Nevada; 25% in North Carolina and New Jersey). Enrollment discount is available in the first policy term but the exact percentage is not published by Travelers.
Verified Oct 23, 2026 · Travelers
App vs device
Smartphone-based. Measures hard braking, acceleration, speed, time of day, and phone use.
Verified Oct 23, 2026 · Travelers
State restrictions
Sold in a narrow state footprint for the 90-day program (ME, MD, VA, WA), with state-specific variants in NV, NC, and NJ (different caps).
Verified Oct 23, 2026 · Travelers

Root · Root Test Drive

Our Root review →

Telematics-first carrier. The 2-to-3-week smartphone test drive sets the quote; ongoing monitoring continues after policy inception and can raise renewal rates. California is the exception.

Can it raise your rate?
Rates can rise at renewal based on continued telematics scoring in most states. California is the exception: Proposition 103 prohibits telematics-based rating, so California Root customers get a conventional driving-record / mileage / years-of-experience rate.
Verified Oct 2, 2026 · Root Insurance
Tracking length
A 2-to-3-week smartphone test drive is the pricing mechanism. Monitoring continues after policy inception in most states; a few bad months of driving can lead to a significant rate increase at six-month renewal.
Verified Oct 2, 2026 · Root Insurance
Max discount
Not a stacked-discount model. Price is set at the completion of the test drive; Root does not publish a maximum "discount" the way legacy carriers do.
Verified Oct 2, 2026 · Root Insurance
App vs device
Smartphone app only. Tracks hard braking, acceleration, cornering, speed, phone use, time of day, and mileage.
Verified Oct 2, 2026 · Root Insurance
State restrictions
Writes personal auto in 37 states as of July 22, 2026 (New Jersey added that date). Not available in AK, HI, ID, ME, MA, MI, NH, NY, NC, RI, SD, VT, or WY. California uses conventional Prop-103 rating; all other Root states use the telematics test-drive model.
Verified Oct 2, 2026 · Root Insurance

Also being verified: GEICO DriveEasy, Farmers Signal, USAA SafePilot. Added to the grid as soon as each carrier’s own current disclosure is confirmed. We don’t publish partial cells.

Want to see what you’d pay with (or without) telematics? Compare rates for your ZIP.

This is an estimate, not a quote. The calculator does arithmetic on the numbers you enter; actual rates depend on carrier underwriting.

How we source this

Each cell traces to one source tier:

  1. Carrier’s own product page (preferred for every cell). Fetched via WebFetch and quoted verbatim or close to verbatim with the publisher and date recorded.
  2. Carrier terms-of-service or sample policy when the product page omits a specific disclosure.

We do not use secondary aggregators (Insurance.com, QuoteWizard, etc) as the primary source for any cell on this page. If a cell value is not confirmable from the carrier itself, the tool displays “Not disclosed; verification pending” and the editorial team keeps looking.

The California story: Proposition 103 limits how driving-behavior telematics data can be used in rating, and in practice several large programs are explicitly unavailable in California (see Snapshot and Drive Safe & Save’s own exclusion language). The per-program “State restrictions” cell has the carrier’s own current wording.

Common questions

Why are some cells marked "Not disclosed; verification pending"?

Because we have not yet confirmed those specific disclosures against the carrier’s own current product page. The owner rule for every YesWeSure tool is: no invented numbers. If a cell lacks a verified source, the tool labels it rather than guessing.

Which programs can raise my rate?

This varies by program and sometimes by state inside the same program. SmartRide, for example, is a discount-only program in most states but can decrease the discount at renewal in Virginia and Washington. Snapshot and Drive Safe & Save are two-way programs that can increase premium based on driving behavior. See each row’s "Can it raise your rate?" cell for the carrier’s own current wording.

How do state rules affect telematics?

California’s Proposition 103 rating framework restricts how driving-behavior data can be used in rating; several large programs are explicitly unavailable in California. North Carolina also has its own carve-outs. Use the per-program "State restrictions" cell for the carrier’s own disclosure of where the program is available and how it behaves state-by-state.

Does the tool send any data about me?

No. The table is server-rendered and reads only from our own verified facts files. There are no inputs that collect user data on this page.

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Telematics program finder · YesWeSure