For US drivers reviewing their car insurance

    What car insurance deductible should you actually carry?

    Most drivers pick a number at signup and never look at it again. The right one depends on how you actually drive, and until now nobody could measure that. Drividend can, privately, and it is free.

    Drividend is a free iPhone and Android app that scores how safely you actually drive, so you can decide whether a $500 or $1,000 car insurance deductible makes sense for you before your next renewal.

    Download on the App StoreGet it on Google Play

    Free. Not owned by an insurance company. Your location never leaves your phone.

    • Free. No subscription, no card.
    • Not owned by an insurance company.
    • We never share your locations with carriers.
    • You decide if and when to share your safety profile.

    The problem

    Your deductible is a bet on how often you will crash

    Most drivers carry a $500 deductible because it was the middle option on a form. Raising it to $1,000 cut the modeled annual premium by $269, around ten percent, in one 2026 national analysis. Most people have never asked their insurer what theirs would cost.

    $2,578 at a $500 deductible. $2,309 at $1,000.

    A difference of $269 a year, on the US average full coverage premium, 2026.

    About 4.2 collision claims per 100 insured vehicle years.

    Across the insured population. Insurance Information Institute.

    Put those together and the shape of the decision changes. You are being asked to pay real money every year to avoid an extra $500 that most drivers will not face in a given year. Whether that is a good trade depends on two things nobody has measured for you: how much your own insurer would actually knock off, and how likely you personally are to claim.

    How it works

    Three steps, and no phone calls

    1. 01

      Drive like you always do

      Install the app and go about your week. It measures the behaviors that actually predict a claim. It does not care where you went.

    2. 02

      Get your score

      After a few weeks, you get a real safety score built on your driving. Not your ZIP code, not your age, not your credit.

    3. 03

      See where your deductible should sit

      We put your score next to your car's value, your premium and your current deductible, so you can see whether the number you are carrying still makes sense for the way you actually drive.

    Sometimes the answer is no, leave it alone. We provide you the data. You can make an educated call.

    Privacy

    Your carrier learns nothing unless you decide otherwise

    Drividend is not owned by an insurance company, so we are not working for one. Your location data is never shared with insurers. If you ever want a quote that reflects how you actually drive, you choose when, and a carrier sees your safety score, not your movements.

    Carriers should know how safely you drive. Not where you shop.

    What is coming

    Built for drivers who are better than their premium

    Most insurers cap how high your deductible can go, because they cannot tell who is genuinely safe enough to carry more. We think carriers and underwriters should price you based on verified driving insights. There is nothing to sign up for yet and no offer here. Get your score now, and you will already have it when there is.

    Questions drivers actually ask

    Neither is universally better. A $1,000 deductible generally lowers your premium but leaves you paying more out of pocket after a covered claim. The right answer depends on the actual premium difference your insurer offers, whether you could comfortably absorb $1,000, and how likely you are to claim.

    Divide the increase in deductible by the annual saving. If moving from $500 to $1,000 saves you $200 a year, that is 2.5 claim-free years before you come out ahead. Ask your insurer for the real number first, because national averages will not match your quote.

    Not necessarily. How you drive affects your collision risk. It has almost no bearing on whether your car is stolen, flooded or hit by hail. Many insurers let you set the two separately.

    Sometimes, but check first. Lenders and leasing companies usually require collision and comprehensive coverage, and some limit how high your deductible can go.

    No. We are not connected to your carrier and we report nothing to them. Nothing you do in the app changes what you pay today.

    A few weeks of normal driving.

    Not quite your situation?

    If you are helping a teen log supervised hours, see how permit drivers build a record.

    If you are a new driver, learn how good scores earn rewards.

    Stop guessing at the number on your policy

    Find out what your driving is actually worth, then decide what deductible to carry. It takes one install and a few weeks.

    Download on the App StoreGet it on Google Play

    Drividend provides educational information and tools to help drivers understand driving risk and evaluate insurance choices. Drividend is not an insurance company, agent or broker, and does not sell, place or bind insurance coverage. Nothing here is individualized insurance, financial or legal advice. Coverage, deductible options and lender requirements vary by insurer, state and policy. Premium figures shown are national averages and are not quotes or guarantees of savings.