Drivers today rely on technology not just for navigation but also for monitoring how they drive. Apps that track driving behavior provide insights into speed, braking, acceleration, and even phone usage behind the wheel. Insurance companies use them to reward safe drivers, while families use them to monitor teen driving. This listicle highlights the top apps recommended in 2026, showing how they help drivers improve habits and reduce costs.
1. State Farm Drive Safe & Save
One of the most widely used telematics apps, State Farm’s Drive Safe & Save tracks driving behavior to calculate discounts. It monitors speed, braking, mileage, and phone use. Drivers who maintain safe habits can earn significant premium reductions.
The app’s dashboard provides clear feedback, helping users see where they can improve. Families recommend it for teen drivers because it encourages responsibility while offering financial rewards.
2. Progressive Snapshot
Progressive’s Snapshot app is another popular choice. It records acceleration, braking, and time of day driving. Drivers who avoid late‑night trips and sudden stops often earn lower premiums.
Snapshot’s dashboard is praised for its transparency. It shows exactly how driving behavior affects discounts, making it easy to connect habits with savings.
3. Allstate Drivewise
Drivewise tracks driving behavior and rewards safe habits with cash back and points redeemable for gift cards. It monitors speed, braking, and phone use.
Drivers recommend Drivewise because it combines insurance discounts with tangible rewards. The dashboard is user‑friendly, showing both safety scores and potential savings.
4. TrueMotion Family
TrueMotion Family is designed for households. It tracks driving behavior across multiple drivers, making it ideal for parents monitoring teens. The app records speed, distraction, and trip history.
Families appreciate the dashboard’s clarity. It shows which drivers are safest and where improvements are needed. TrueMotion emphasizes accountability, helping families build safer driving habits together.
5. EverDrive
EverDrive is a free app that tracks driving behavior without requiring insurance enrollment. It monitors acceleration, braking, speed, and phone use. Drivers receive scores and can compete with friends for safer driving rankings.
The dashboard gamifies safety, making it engaging. Drivers recommend EverDrive because it encourages improvement without financial commitment.
6. OnStar Guardian
OnStar Guardian extends GM’s connected car services to smartphones. It tracks driving behavior, provides crash detection, and offers emergency response.
Drivers recommend OnStar Guardian for its safety features. The dashboard integrates driving behavior with emergency alerts, making it a comprehensive tool for peace of mind.
7. Zendrive
Zendrive is used by insurers and fleets to monitor driving behavior. It records acceleration, braking, speed, and distraction. The app’s analytics provide detailed insights into risk.
Drivers highlight Zendrive’s predictive dashboard, which shows how habits affect long‑term safety. It is recommended for professional drivers and companies managing fleets.
8. MileIQ with Telematics Add‑On
MileIQ, originally designed for mileage tracking, now includes telematics features. It records driving behavior alongside trip logs, making it useful for freelancers and business drivers.
The dashboard integrates mileage and safety data, helping users manage expenses while improving habits. Drivers recommend MileIQ for its dual functionality.
9. Hum by Verizon
Hum combines vehicle diagnostics with driving behavior tracking. It monitors speed, braking, and trip history while also providing maintenance alerts.
Drivers recommend Hum because its dashboard integrates safety with vehicle health. It is particularly useful for those managing older cars.
10. SmartDrive Connected Car Apps
SmartDrive apps are part of the connected car ecosystem. They track driving behavior in real time, showing speed, location, and trip history.
Drivers recommend SmartDrive for its integration with modern vehicles. Dashboards provide live feedback, making it easy to adjust habits immediately.
Why Driving Behavior Apps Matter
Driving behavior apps matter because they connect habits with outcomes. Safe driving reduces accidents, lowers insurance costs, and builds confidence. Dashboards provide transparency, showing exactly how behavior affects risk.
Insurance companies use these apps to reward safe drivers. Families use them to monitor teens. Professional drivers use them to manage fleets. Across all groups, driving behavior apps transform safety into measurable data.
Risks and Considerations
While these apps provide benefits, drivers should consider privacy. Many apps collect detailed data, including location and trip history. Borrowers must decide whether discounts outweigh data sharing.
Another consideration is accuracy. Apps rely on smartphone sensors, which may misinterpret behavior. Drivers should review dashboards carefully and challenge errors when necessary.
The top apps that track driving behavior in 2026 include State Farm Drive Safe & Save, Progressive Snapshot, Allstate Drivewise, TrueMotion Family, EverDrive, OnStar Guardian, Zendrive, MileIQ, Hum by Verizon, and SmartDrive. Each app offers unique dashboards that connect habits with outcomes, from insurance discounts to family monitoring.
Drivers recommend these apps because they provide transparency, accountability, and rewards. By tracking driving behavior, they transform safety into measurable progress. Borrowers who integrate these apps into daily routines strengthen both financial stability and long‑term safety.
