Allstate's usage-based insurance program is now available in 16 states, with Missouri, Indiana, Minnesota, Maryland, Utah, and Washington State joining 10 others. The program measures things such as mileage, braking, speed, and time of day when a customer is driving. Using that data, Allstate calculates a discount for each customer using its telematics technology.

The Allstate program originally was launched in Illinois in December 2010. The insurer said that, to date, more than 400 million miles have been driven by customers using the device and of those receiving a driving discount, the average savings was at 14 percent.

A device plugs into the on-board diagnostic port found under the dashboard/steering column on most cars (1996 model year and later) to track driving behavior. Allstate said that rates do not go up based on driving scores, but savings of up to 30 percent can be earned by drivers with the safest driving scores and lowest mileage.