70% of Drivers Say They’ve Felt Unfairly Judged When Shopping for Auto Insurance, According to New Arity Report

Business Wire

New data reveals frustration with less accurate pricing models and growing support for telematics-driven transparency

CHICAGO--(BUSINESS WIRE)--

For drivers who’ve ever felt like their auto insurance premium doesn’t reflect how they actually drive, new research from mobility data and analytics company Arity suggests they’re not alone.

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. The data highlights a growing openness to solutions that reflect real driving behavior and an opportunity to improve transparency in how policies are priced.

“Drivers are telling us loud and clear: They want accuracy, transparency and control,” said Gary Hallgren, President of Arity. “This survey sheds light on what drivers actually want from insurers: pricing grounded in their actual driving behavior, not just personal traits or outdated assumptions.”

Key findings from the survey include:

A majority of respondents believe their current policy doesn’t reflect their real-world driving behavior.
70% say they’ve felt unfairly judged or stereotyped when shopping for auto insurance.
89% have experienced negative misconceptions, including:
- 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%)

While 53% of respondents want insurers to use driving behavior data to reward safe habits and create more accurate rates, 89% still express concerns about how that data might be used, particularly around privacy, premium increases, or unauthorized sharing.

The findings reinforce Arity’s mission to make transportation smarter, safer, and more useful through driving behavior data. By better understanding how real people experience auto insurance shopping and where the gaps in trust lie, insurers can evolve their offerings to be more transparent, more personalized, and more aligned with what today’s drivers expect.

“This moment is about more than pricing. It’s a chance to strengthen the relationship between insurers and drivers,” added Hallgren. “Drivers want to feel in control. They want clarity instead of guesswork. And they want to know their everyday behavior behind the wheel plays a greater role than things like past incidents or credit scores. This is a real opportunity for insurers to build trust through greater transparency and pricing that better reflects how people actually drive.”

Check out how Arity is helping insurers build trust and deliver more accurate pricing through driving behavior data.

About Arity

Arity is a mobility data and analytics company that provides data-driven solutions to companies invested in transportation, enabling them to deliver mobility services that are smarter, safer, and more economical. Arity has collected more than two trillion miles of driving data to create a greater understanding of how people move. With the world’s largest driving behavior dataset tied to insurance claims collected through mobile devices, in-car devices, and vehicles themselves, Arity derives unique insights that help insurers, developers, marketers, and communities understand and predict driving behavior at scale.

Arity takes your privacy seriously and believes collecting and using data responsibly and transparently will create better experiences on and off the road for people, communities, and businesses. To learn more about how we collect, share, and use your personal information, visit our Privacy Center at arity.com/privacy-center.