Usage-Based Insurance (UBI)
Insurance Glossary
Auto insurance priced partly on driving behavior measured by a mobile app or a device in the vehicle rather than on traditional rating factors alone. Programs commonly track mileage, hard braking, rapid acceleration, speed and time of day, and some also flag phone handling while driving. What gets measured, whether a rate can rise as well as fall, and what the insurer may do with the data all vary by program and by state.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
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