The program often stops running with no notification, particularly if your phone cleared memory caches. It has never worked on my wife's iPhone. Both issues cause us to be penalized when the software doesn't work as it should), looking like we aren't using it. 9/13 I emailed the developers and usaa directly, 2 different addresses, a month ago with no response. Lowering to one star.
Ryan Downie
Just doesn't work. When I first downloaded it, it worked in the sense that it assumed I was the driver of every vehicle I was in, including busses and trains. Then it randomly signed me out one day, and ever since it rejects my phone number on sign-in as not valid, despite it being perfectly valid to receive confirmation texts from the USAA site :)
Adam Wetzel
Jan 2025: Drains battery in the background. 2 hours of reddit and Mario kart used 7% combined. At the same time this app used 34% when I wasn't even driving. 10 months later: Still drains battery. The only way to keep it from draining battery is to force stop every time after I drive. That also means I have to remember to start the app before I drive EVERY TIME. The amount I save in insurance is probably less than the cost for a new battery, sort of makes the whole program pointless
Tara Mahoney
The app doesn't take into account for people pulling out infront of you and you have to brake harsh to avoid an accident even when going the speed limit or less. If you have hands-free operation of calling or playing music you will get docked for talking via wireless and docked for using a music app. It is very much true that if you go over speed bumps it will dock you under harsh breaking. If you have spotty cell service and were on the phone and switch to driving, you get docked.
Richard LG
I'm really curious about how exactly the points work. I can understand losing points for harsh-braking, crash detection, or holding the phone, but I have a hard time when I lose three points despite not having an incident show up. It's frustrating that they've gotten rid of Noblr, but there's no equivalent program to save on insurance. Of course they say there is, but it's only in 4 or 5 states. I really miss Noblr, that app felt more accurate to how I actually drive and was much more detailed.
Martin “Marty” Lau
It's works, but it wrongfully accounts for phone use at either the start when parked and you haven't moved. It just automatically starts a trip once connected to your vehicle. So if you have to plot a trip, you need to do it before you even enter your car. The whole point of use is so you can get discounted driving but if it incorrectly gives you trip incidents, it's not worth using.
Kenra W
At the end of each drive it'll say, "you used your phone x percent of this trip, consider ways to reduce your phone usage" but it gives you zero credit for actually doing anything other than declining a call. If you were to pull off into a parking lot and out your car in park to take the call, it would still record you as being on your phone that entire percentage of the drive. Same goes for grocery pickup etc. Orders. Very frustrating.
Debbie W.
This app constantly runs in the background even when you're not driving. When it is running, it causes the phone to overheat and has now burnt out my battery to the point where I have to replace my phone. When it was working properly, it would mark hands-free phone calls (either via speaker or through headphones) as incidents and lower my score.
John Hildreth
I'm frustrated with this app. It's inaccurate. I was using GPS Navigation and on three instances, when I was at a stop light, I slightly moved my phone to view my route and the app dinged me three times. Am I not allowed to view phone at a complete and safe stop? Also, I got dinged for a "harsh stop." But someone pulled out in front of me. Also, my family all participated in the app but apparently I didn't drive the required number of miles to be qualified for the discount.
Jeremy P
This app is garbage. It is flat out inaccurate on everything. It reports every drive like I am in a high speed police chase with crashes every time and that I was "handling" my phone the whole time. So, I get tracked for no reason and it saves no money. I'm tired of all these insurance apps claiming to monitor "safe driving". Apparently I have a hard brake or near crash every day in the same tunnel when it just loses the signal for a second. Find somebody else.
