Data Management: The Key to Unlocking the Potential of
Usage-Based Insurance

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The potential of usage-based insurance (UBI) to bring rewards to carriers and customers alike is vast, if UBI is implemented correctly. This whitepaper explores both strategic and operational challenges in implementing a UBI program, offering advice to carriers in charting a course through this new territory.


Usage-based insurance (UBI) intuitively makes a lot of sense: automotive insurance priced based on how motorists actually drive. UBI products enable insurers to rate drivers based on behavioral metrics (including how far they drive, how aggressively they brake, and how often they swerve) in addition to the demographic metrics traditionally used to rate driver risk. As such, UBI can offer significantly lower rates to consumers. For example, good drivers on Progressive’s Snapshot plan can receive discounts of up to 30% on their annual premiums.

Many insurers in the U.S. are trialing or already offering usage-based insurance products today.

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