A new survey reveals consumer frustration with auto insurance pricing models and growing support for more transparency in how policies are priced and for telematics.
The new research from mobility data and analytics company Arity suggests that drivers who fe
el that their auto insurance premium doesn’t reflect how they actually drive have plenty of company.
In a survey of 1,000 U.S. drivers with characteristics that may impact insurance access–such
as lapsed coverage, traffic violations, or low credit scores–Arity uncovered a recurring theme: Many feel penalized by traditional proxies of risk.
A majority of respondents said they believe their current policy doesn’t reflect their real-world driving b
ehavior and 70% said they’ve felt unfairly judged or stereotyped when shopping for auto insurance.
“Drivers are telling us loud and clear: They want accuracy, transparency, and control,” commented Gary Hallgren, president of Arity. “This survey sheds light on what drivers actually want from insurers: pricing ground
ed in their actual driving behavior, not just personal traits or outdated assumptions.”
But while 53% of respondents said they want insurers to use driving behavior data to reward safe habits and create more accurate rates using telematics-like m
odels, 89% still express concerns about how that data might be used, particularly around privacy, premium increases, or unauthorized sharing.
The survey also found that 89% said they have experienced negative misconceptions, including:
Watch More Image Part 2 >>>
Paying more due to non-driving factors like low credit scores (54%)
Being assumed financially
unreliable (32%)
Being treated differently based on age, gender, or other personal traits (28%)
Founded by The Allstate Corp. in 2016, Arity is a mobility data and analytics company focused on improving transportation. The company collects and analyz
es data using predictive analytics. The firm says it has collected more than two trillion miles of driving d
ata to create a greater understanding of how people move.
U.S. District Court Judge Landya McCafferty granted a preliminary injunction on January 27 to prevent the state from implementing a new law abolishing the an
nual inspection program for non-commercial vehicles until and unless the state receives approval from the
federal government that the plan is in compliance with the Clean Air Act.
The new law sought to do away with annual inspections that include tests for vehicle emissions as well as safety effective Saturday, January 31, 2026.
The judge found that unless the federal Environmental Protection Agency (EPA) approves the sta
te’s decision to abolish the inspection program before that effective date, the state will be in violation of the Clean Air Act. That federal law requires states to have inspection and maintenance programs to protect air quality. New Hamp
shire’s current program was last reviewed and approved the EPA in 2013.