Usage based insurance (UBI) uses mileage, driving behavior, or connected-vehicle data to inform auto insurance pricing and feedback. The figures below span U.S. surveys, insurer disclosures, telematics-platform measurements, historical NAIC research, and modeled estimates, so participation and outcome figures are not interchangeable.
Key Usage Based Insurance Statistics
The most useful headline figures are:
- 19.6% of consumers surveyed through February 2024 reported having a UBI auto policy in the J.D. Power LIST survey.
- 40.4% of consumers who switched auto insurers in January or February 2024 reported having a UBI auto policy in the J.D. Power LIST survey.
- 92% of U.S. switchers who unbundled auto and home said a UBI offer drove the decision in the 2023 U.S. Insurance Shopping Study.
- 81% of U.S. switchers who bundled auto and home said a UBI offer drove the decision in the same 2023 study.
- CMT platform UBI enrollments grew 142% from Q1 2020 through Q1 2023.
- CMT powered UBI programs for 21 of the 25 largest U.S. auto insurers cited in its 2023 report.
- Progressive ended 2024 with 35 million policies in force, across all products rather than Snapshot alone.
- Progressive Snapshot’s average sign-up discount was $164 on the company’s consumer page accessed in October 2026.
- Renewing Progressive Snapshot customers who earned a discount saved an average of $328 according to Progressive.
- About 2 in 10 Progressive Snapshot drivers receive an increase rather than a discount, according to the company’s rounded statement.
- CMT measured more than 1 billion car trips across millions of U.S. drivers in 2023.
- U.S. distracted driving fell 4.5% in 2023 in CMT’s telematics-platform measure.
- U.S. drivers spent 2 minutes 6 seconds interacting with phones per driving hour in 2023 in CMT’s measured population.
- Drivers who crashed in 2023 were 62% more distracted than drivers who did not crash among 1.8 million CMT-observed drivers.
- CMT estimated that the 2023 distraction reduction prevented more than 55,000 U.S. crashes.
- CMT estimated that the 2023 distraction reduction prevented 31,000 injuries and 250 fatalities in the United States.
- CMT estimated nearly $2.2 billion in 2023 economic damages avoided from the modeled distraction reduction.
- Highly engaged, high-risk CMT program drivers improved speeding by 27% in a safe-driving-program study.
- Root’s partnership channel rose from 9% of new writings in Q4 2023 to 31% in Q4 2024.
- The NAIC/CIPR study listed $32.35 billion in 2013 telematics-UBI written premiums for State Farm Group in its historical table.
Contents
- Adoption and market participation
- Premiums, policies, and insurer scale
- Discounts, pricing, and customer outcomes
- Telematics driving behavior
- Safety, claims, and crash outcomes
- Trends, distribution, and limitations
Usage Based Insurance Adoption and Market Participation
Survey results show that UBI participation depends heavily on the population measured. The J.D. Power Insurance Shopping One Year Later study reported that 19.6% of consumers surveyed through February 2024 said they had a UBI auto policy, while 40.4% of consumers who switched insurers in January or February 2024 said they did.
The 40.4% figure is about twice the overall surveyed rate, but it compares a selected subgroup with the broader survey population and does not establish that switching caused UBI adoption. J.D.
Power also reported that 92% of switchers who unbundled auto and home said a UBI offer from a different insurer drove the decision, while 81% of switchers who bundled said a UBI offer drove that decision; both findings apply only to the relevant switching groups.
The older NAIC/CIPR telematics study reported that 40% of consumers were contemplating telematics programs because of potential cost savings in research cited by its 2015 study. That is historical consideration data, not a current adoption estimate.
CMT’s platform-level evidence points to expansion:
- CMT reported 142% growth in UBI enrollments from Q1 2020 through Q1 2023.
- CMT said it powered UBI programs for 21 of the 25 largest U.S. auto insurers cited in its 2023 report.
Those measures describe CMT’s platform and insurer coverage, not total-industry enrollment. UBI, pay-as-you-drive, and broader telematics safety programs are related but not identical categories.
Usage Based Insurance Data on Premiums, Policies, and Insurer Scale
Company disclosures provide scale context, but most reported insurer figures are not UBI-only. Progressive’s 2024 Form 10-K reported 35 million policies in force on December 31, 2024, an 18% increase in companywide policies during 2024.
| Insurer or measure | Period | Reported figure | Scope |
|---|---|---|---|
| Progressive policies in force | Dec. 31, 2024 | 35 million | All policies |
| Progressive companywide policy growth | 2024 vs. 2023 | 18% | All policies |
| Progressive agency personal-auto quote-to-sale conversion | 2024 vs. 2023 | 13% increase | Agency personal auto |
| Progressive direct personal-auto quote volume | 2024 vs. 2023 | 65% increase | Direct personal auto |
| Progressive direct personal-auto quote conversion | 2024 vs. 2023 | 9% decrease | Direct personal auto |
Progressive’s direct quote conversion fell 9% while direct quote volume rose 65%; the company attributed part of the conversion change to more casual shoppers. Neither measure is UBI participation.
The historical NAIC/CIPR table listed 2013 telematics-UBI written premiums for principal providers as follows:
- State Farm Group: $32.35 billion.
- Allstate Insurance Group: $18.07 billion.
- Progressive Group: $15.36 billion.
- Nationwide Corp. Group: $7.28 billion.
- Travelers Group: $3.18 billion.
These are year-end 2013 historical figures whose provider classifications and market conditions have changed; they should not be read as current 2026 market totals.
Usage Based Insurance Discounts, Pricing, and Customer Outcomes
Progressive’s Snapshot consumer page reports a $164 average sign-up discount and an average $328 saving for Snapshot customers who renewed and earned a discount. The second figure excludes participants who did not renew or did not earn a discount.
Progressive also says about 2 out of 10 Snapshot drivers receive an increase rather than a discount. This is a rounded company statement for Snapshot drivers, and results may vary by state and program version.
The company’s 2024 filing reported differing Snapshot adoption changes by channel: agency-auto adoption decreased 9% from 2023, while direct-auto adoption increased 6%. Progressive’s latest Snapshot segmentation model covered states representing about 75% of countrywide personal-auto net premiums excluding California at year-end 2024; that is premium representation, not customer or geographic share.
Retention metrics also require care:
- Progressive total personal-auto policy life expectancy fell 4% year over year on a trailing-12-month basis in 2024.
- Agency personal-auto policy life expectancy rose 2% year over year on the same basis.
- Direct personal-auto policy life expectancy fell 7% year over year on the same basis.
These are company and channel retention proxies, not UBI-only outcomes. Root’s FY2024 shareholder letter reported a 58.9% gross loss ratio, $31 million of net income, and a $178 million improvement from 2023, but those are corporate results rather than isolated telematics-participant outcomes.
Root also expected its sixth pricing model to improve predictive power 7% versus the prior iteration. That is management’s expectation, not an independently verified result.
Telematics Driving-Behavior Statistics Linked to UBI
CMT’s 2023 distracted-driving report measured more than 1 billion car trips across millions of U.S. drivers. Its platform recorded a 4.5% decline in distracted driving from 2022 to 2023.
In 2023, CMT measured U.S. drivers interacting with phones for 2 minutes 6 seconds per driving hour. That rate was 6 seconds lower than in 2022 but still 17% higher than in 2020, so the short-term improvement did not return the measure to the earlier baseline.
Several CMT comparisons connect observed behavior with crash involvement, but they remain observational:
- Crashes involving a handheld phone call occurred at speeds 31% higher than crashes without a handheld phone call.
- Drivers who crashed in 2023 were 62% more distracted than drivers who did not crash, among 1.8 million CMT-observed drivers.
- A separate CMT crash study found distraction in the minute before impact in 34% of crashes.
CMT reports that drivers engaging in its UBI programs were 65% safer under its defined safety measure. It also says consistent UBI engagement among the riskiest drivers can reduce their chance of an injury crash by 5.5%; both are CMT research estimates with company-defined comparisons, not randomized national-trial results.
Usage Based Insurance Safety, Claims, and Crash Outcomes
CMT modeled the 4.5% 2023 distraction reduction as preventing more than 55,000 crashes, 31,000 injuries, and 250 fatalities in the United States. It estimated nearly $2.2 billion in economic damages avoided, including work, medical, and insurance costs.
Those quantities were modeled rather than directly counted. CMT used its change in crash rate and NHTSA 2019 crash-cost data, so the estimates should not be treated as independently observed UBI effects.
CMT’s safe-driving-program study reported measurable changes among highly engaged, high-risk participants:
| Behavior or modeled outcome | Reported result | Population and period |
|---|---|---|
| Distracted driving | 20% improvement | Highly engaged, high-risk CMT participants |
| Hard braking | 9% improvement | Same participant group |
| Speeding | 27% improvement | Same participant group |
| Bodily-injury claims | 5.5% projected reduction | CMT model for riskiest drivers |
The projected 5.5% claims reduction is not an observed insurer-wide reduction. CMT also found safe drivers were more than 5% more fuel-efficient than high-risk drivers and estimated that an SUV owner could save more than $190 annually on fuel by driving more safely; those are driving-efficiency findings and a scenario estimate, not insurance savings.
CMT separately reported that four states introducing hands-free laws reduced distracted driving by an average 7.1% in 2023, with modeled estimates of 8,200 crashes and 37 fatalities prevented. Across 29 hands-free states, distracted-driving levels were 9% lower than in no-texting states in 2023; these policy comparisons are not UBI-specific or randomized experiments.
Usage Based Insurance Trends, Distribution, and Limitations
Root’s FY2024 shareholder letter shows how insurer distribution can change without proving a change in telematics participation. Its partnership channel represented 9% of new writings in Q4 2023 and 31% in Q4 2024, a reported increase of 22 percentage points.
Root also reported a 21% increase in policies in force in FY2024, a 13% gross earned-premium cession rate, and a 1-percentage-point gap between gross and net loss and loss-adjustment-expense ratios. It ended December 31, 2024, with $333 million in unencumbered capital.
The company said its app was available on iOS and Android to 99% of U.S. smartphone users in FY2024. Platform availability is not actual app usage or UBI enrollment.
A separate NAIC/CIPR discussion summarized an FHWA scenario in which an 8% reduction in vehicle miles traveled could produce $50 billion–$60 billion in annual net social benefits through mainly reduced accidents and congestion. That is a national extrapolation, not an observed UBI result.
Taken together, the evidence supports a broad reading of UBI statistics: survey adoption, insurer policies, telematics behavior, discounts, modeled safety outcomes, and historical premiums answer different questions. The population, geography, period, program definition, and whether a figure is observed, surveyed, or estimated should accompany every comparison.