USAA DriveSafe represents a growing category of insurance telematics applications that leverage smartphone technology to monitor and score driving behavior. Available exclusively to USAA auto insurance members in participating states, the app functions as a digital companion to the insurer's SafePilot and SafePilot Miles programs, translating driving data into potential premium discounts. The application operates primarily through background data collection, utilizing GPS, accelerometers, and other smartphone sensors to automatically detect and record driving trips. Core functionality includes mapping travel routes, identifying driving patterns, and scoring behaviors across multiple metrics including braking intensity, speeding incidence, phone handling while driving, and time-of-day operation. The system generates detailed driving reports that break down performance into quantifiable metrics, providing users with actionable feedback on how to improve their driving scores and maximize insurance savings. User experience centers around a clean, utilitarian interface that prioritizes data visualization over aesthetic flourishes. The dashboard presents key metrics at a glance, with drill-down capabilities for analyzing individual trips. Real-world usage patterns show the app operates predominantly in the background, requiring minimal active engagement beyond initial setup and periodic review of driving scores. Some users have reported interface improvements following recent updates, particularly regarding trip detection accuracy and responsiveness. User feedback indicates generally positive reception tempered by technical concerns. Multiple reviewers, including Mike Faunda III (July 30, 2025) and Iamsaelac (September 2, 2025), reported significant battery drain issues following certain updates, though the latter noted subsequent resolution. Victoria (August 27, 2025) praised the financial benefits—nearly $100 in insurance savings—while criticizing the removal of screenshot functionality for trip routes. These reports suggest ongoing refinement of the balance between data collection and device performance. The application demonstrates clear value for insurance cost reduction but presents trade-offs in device resource consumption. Primary strengths include tangible financial incentives and detailed behavioral analytics, while limitations involve battery impact and restricted functionality for non-USAA members. Ideal use cases involve cost-conscious drivers willing to exchange continuous background monitoring for potential premium reductions, particularly those already committed to the USAA ecosystem.