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Yes—some auto insurers use telematics, also called usage-based insurance (UBI), to help set a personalized premium. Depending on the program, the insurer may analyze how far, when, where and how you drive. The result can be a discount, no change, or—in some states and programs—a surcharge. Participation is optional in some programs, but you should never assume that every insurer uses driving data or that enrollment can only lower your price.
The controlling details are the policy, the program terms and your state. Before enrolling, identify exactly what is collected, how it affects renewal pricing, whether a non-telematics quote is available and how your information is retained or shared.
What “driving data” means in car insurance
Traditional auto insurance pricing uses factors such as the vehicle, coverage, location, driving record and other underwriting information. A UBI program adds observations about your actual driving. The National Association of Insurance Commissioners (NAIC) describes the idea this way: "The basic idea of UBI is that a driver’s behavior is monitored directly while the person drives, allowing insurers to more closely align driving behaviors with premium rates." The NAIC telematics overview was labeled last updated September 1, 2026 (NAIC, Insurance Topics | Telematics).
Telematics does not replace every traditional rating factor. It is an additional input whose weight, measurement period and effect depend on the insurer and state-approved terms. Two companies can collect different information from the same driver and reach different prices.
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How insurers collect the information
A program can obtain data in several ways. The collection method matters because it determines what the insurer can observe and which privacy terms apply.
| Collection method | What it can provide | Questions to ask |
|---|---|---|
| Smartphone app | Trip mileage, time, speed changes, location and, in some programs and states, phone use while driving | Does the app track every trip, only enrolled drivers, or passengers as well? Does it require location and motion permissions? |
| Plug-in device | Vehicle mileage, acceleration, braking, speed-related events and sometimes diagnostic or crash information | What device is supplied, what happens if it is unplugged, and is it compatible with your vehicle? |
| Connected-vehicle feed | Data sent by the vehicle manufacturer or another connected service, potentially including location, mileage and event records | Which company sends the data, and can you revoke that connection without cancelling the policy? |
| Other or third-party source | Information obtained through a service specifically identified in the enrollment and privacy documents | Who is the third party, what uses are authorized, and how long does each party keep the data? |
The NAIC says possible measurements include mileage, time of day, GPS location, rapid acceleration, hard braking, hard cornering and airbag deployment. Not every program measures all of them, and the technology and data depth differ (NAIC telematics overview).
Pay-as-you-drive versus pay-how-you-drive
Pay-as-you-drive
Pay-as-you-drive programs emphasize how much you use the car, usually mileage or another measure of distance. They may suit a driver who travels very few miles, but the exact formula and eligibility rules still come from the insurer. A mileage-focused program can still collect additional information if its terms permit it.
Pay-how-you-drive
Pay-how-you-drive programs emphasize behavior, such as braking, acceleration, cornering, speed changes or driving at higher-risk times. The same trip distance can produce different results for different driving patterns.
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Hybrid programs
Many programs combine mileage and behavior. The label alone is not enough to predict your price; read the insurer’s description of the scoring factors, measurement period and rate-effective date.
Can a driving app make your insurance go up?
It can, depending on the program and state. Some UBI offers are described as discount-only, while others permit a surcharge or a less favorable renewal price. Progressive’s Snapshot materials, for example, state that a personalized rate can result in either a discount or a surcharge in some states or situations. That is a description of Snapshot, not a rule for every insurer (Snapshot Frequently Asked Questions; Snapshot Express Terms & Conditions).
Do not treat an advertised maximum or average saving as your expected result. Progressive has advertised that Snapshot savers save an average of $328 per year; that is a company-reported promotional figure, not an independent national estimate, and your eligibility, state, coverage and driving record can produce a different outcome (Progressive, How Do Telematics Devices Work With Car Insurance?).
What a real program may measure: the Snapshot example
Snapshot is a useful example of the range of information a telematics program can use, but it is not an industry-wide template. Progressive says the program combines actual driving with traditional rating factors. Its FAQ identifies time of day, sudden changes in speed and amount driven; for app users in some states, it also identifies phone use. The applicable state terms and enrollment route control what actually applies to you (Snapshot FAQ).
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Progressive’s privacy material explains that the information can be used for rating and underwriting and can involve more than a simple mileage count. Review the version that applies to your state and device before enrolling (Progressive Snapshot Privacy Policy).
When the score affects your price
Enrollment does not necessarily mean an immediate permanent rate change. A program may collect data during an initial period, calculate a score, then apply the result at renewal or to a future quote. The documents should state:
- when tracking begins and ends;
- which trips or drivers are included;
- when the score is calculated;
- the first policy term or renewal to which it applies; and
- what happens if data is incomplete, a device is disconnected or you leave the program.
Ask for those dates in writing. A “potential discount” shown during enrollment is not the same as a guaranteed final premium.
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Driving records can reveal routines, workplaces, destinations and the behavior of other people using the vehicle. The NAIC advises consumers to understand what data is collected and how it is used to determine the premium. Its 2021 consumer guidance is useful background, but it is not a current state-by-state legal guide (NAIC consumer guidance, September 8, 2021).
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State requirements may limit tracking or require disclosures. The NAIC notes that privacy obligations and permitted uses vary by jurisdiction. Read the currently applicable privacy notice and program terms rather than relying on a general advertising page.
Privacy questions worth answering
- Does the insurer receive precise GPS points, or only distance and event summaries?
- Does the app detect phone handling or phone use?
- Are trips by household members, passengers or other drivers captured?
- Is data used only for rating, or also for underwriting, claims, fraud prevention, analytics or other purposes?
- Which vendors or affiliates can receive it?
- How long is raw data and the calculated score retained?
- Can you view, correct or delete information, and what happens if you revoke permission?
How to evaluate a UBI offer step by step
- Get the non-UBI baseline. Request a quote with the same liability limits, optional coverages, deductibles, vehicle details and driver list, but without telematics. Without an equivalent baseline, a percentage discount can be misleading.
- Identify the data source. Confirm whether enrollment uses a phone app, plug-in device, vehicle connection or a named third party. Ask whether installation, phone replacement or vehicle changes affect tracking.
- List every scored behavior. Ask specifically about mileage, time of day, location, speed changes, braking, acceleration, cornering, airbag events and phone use. A factor not mentioned in a summary may appear in the full terms.
- Confirm the financial range. Ask whether the program is discount-only or can produce a surcharge, whether the outcome is capped, and whether the result can change at renewal.
- Pin down timing. Record the measurement period, score date and first effective policy date. Ask what happens when a trip is missing or the device is offline.
- Read privacy and sharing language. Check retention, access, deletion, vendor sharing and secondary uses. Save a copy of the state-specific terms and privacy notice that you accepted.
- Ask about leaving. Find out whether participation is optional, whether stopping tracking removes a discount, whether a surcharge can remain, and whether leaving affects a future quote.
- Compare total premiums. Choose the offer with the best complete price and coverage for your circumstances, not the largest headline discount.
How to compare two offers
| Comparison point | Why it changes the decision |
|---|---|
| Data source and device | An app, plug-in device and connected-car feed can observe different events and create different privacy exposure. |
| Measurements | Determine whether the program uses mileage alone or also time, location and driving behavior. |
| Rate treatment | Separate discount-only programs from those that permit a surcharge or unfavorable renewal adjustment. |
| Measurement and effective dates | A short introductory period and a full-term score can produce different timing and expectations. |
| Retention, sharing and access | These terms determine how much control you have over detailed driving records. |
| Eligibility and state availability | Terms can change by state, vehicle, device and enrollment route. |
| Total equivalent premium | Compare the actual dollar price with identical limits and deductibles, including any program fee or required equipment. |
There is no nationally established ranking showing that one UBI approach is best for all drivers. The NAIC and insurer documents establish that collection, scoring and regulation vary (NAIC telematics overview).
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Common situations that need a closer reading
You drive mostly at night
If time of day is scored, frequent nighttime driving may affect the result. Ask which hours are considered and whether the factor is a direct surcharge, part of a composite score or merely reported.
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Several people use the car
Determine whether the app or device can distinguish drivers. If it cannot, ask whose behavior is attributed to the policy and how a passenger’s phone or trip is handled.
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You use a phone for navigation
Navigation use is not automatically treated the same way as phone handling. Ask what the specific app detects, whether hands-free use is distinguished and which state terms apply.
You rarely drive
A mileage-based offer may be relevant, but verify the mileage definition, minimums, verification method and whether location or behavior is collected anyway.
You change cars or phones
Ask how to transfer enrollment, whether a replacement device creates a gap, and whether a new vehicle’s connected-data permissions must be separately approved.
Questions to ask the insurer before enrolling
- Which data sources are used: phone app, plug-in device, vehicle connection or a third party?
- Does the program collect precise location, phone use or trips by other drivers?
- Which behaviors affect the score, and can any result raise my rate?
- When is the score applied: at enrollment, at renewal or on a future quote?
- How long is data retained, who can receive it, and can I review or delete it?
- Is participation optional, and what happens to my price if I leave?
- What is the comparable quote without telematics for the same coverage and deductibles?
Bottom line for your policy
Your car insurance may use driving data to set or adjust your rate, but only the insurer’s current, state-specific terms tell you whether your policy does. Treat telematics as a trade: you may receive a personalized price in exchange for sharing a detailed record of driving. Compare an equivalent non-UBI quote, understand every scored factor and review the privacy and renewal language before you agree.
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