Allstate auto insurance celebrated what the company described as a “major milestone” last week when it announced its driver-tracking program Drivewise had logged more than a billion road miles. Drivewise, like other tracking products such as Progressive’s Snapshot and State Farm’s Drive Safe and Save_,_ digitally tracks policyholders’ driving habits and offers discounts to safe motorists.

The company also announced Drivewise would expand into Kentucky and Montana, giving policyholders in 22 states access to the program.

“As we ride past one billion miles, it’s good to look back on the mission of the Drivewise offering — to help create a safer, more self-aware driver,” said Allstate product operations executive vice president Steve Sorenson in the statement. “We are proud to offer customers a deep view into the way they really drive and, at the same time, reward them for safe driving habits — habits that can help make the roads safer for themselves and others.”

While the company celebrates the data collection, Allstate is playing catch-up with rival insurer Progressive. That company has been a leader in the driver-tracking market. More than a year before Allstate reached a billion miles, Progressive celebrated 5 billion miles worth of data collected.

Progressive also released findings based on the data collected through their program Snapshot. According to the company:

  • Actual driving behavior is the leading variable in predicting a driver’s risk, carrying more than twice the predictive power of any other factor.
  • Drivers with the highest-risk driving behavior have loss costs that are approximately 2.5 times the costs of drivers with the lowest-risk behavior, suggesting that the range of rates can be far wider and more personalized than they are today.
  • The majority of drivers who are lower-risk subsidize the minority of higher-risk drivers.

Progressive also revealed that 70 percent of drivers who participated in Snapshot saw reductions in their premiums, although the company did not reveal the size of the average discount.

Allstate estimates that on average, Drivewise motorists save up to 14 percent on their premiums. However, what the auto insurance company is doing with a billion miles worth of data hasn’t been made publicly available.

“We’re still analyzing behavior data in the Drivewise program and we haven’t yet shared the details of our observations publicly,” Allstate spokesman Justin Herndon wrote in an email to Online Auto Insurance News. “But I think we’ll have something along those lines in the coming months.”

Driver-tracking programs have become a key component of reducing potential liabilities while attracting safer drivers to the insurance pool. Progressive and Allstate both rushed to offer the product to policyholders, and the companies settled a lawsuit over Allstate’s use of the tracking technology in 2011.