See what your loss data can’t

Download the case study: Sharpening territorial pricing precision with Arity

Territorial ratemaking — using geography as a proxy for driving risk — is constrained by regulation, data gaps, and potentially biased inputs. For Quincy Mutual, a New England-based insurer, these limits created real friction. To overcome these blind spots, Quincy needed a broader, unbiased source of data, predictive of driving risk within each specific territory where they do business.

That’s when they evaluated Arity’s Geosight℠ dataset — aggregated, anonymized driving behavior data collected from mobile apps and in-car systems, with clear user consent.

Quincy adopted Geosight to improve pricing accuracy at a granular, territorial level. In just four months, the team went from evaluating the dataset to filing updated territory relativities.

Find out why Quincy Mutual chose Arity, and how they’re leveraging this newfound line of sight into driving data in their territories.

Traditional territorial pricing leaves blind spots

Your inputs share the same limitation
  • Loss experience, industry benchmarks, and claims history are foundational — but they only measure outcomes. They don't measure how people actually drive in each territory.
Thin territories mean guesswork
  • Insurers in new or sparse territories lack sufficient data in many ZIP codes to rate confidently.
Your book only sees part of the picture
  • Your loss experience reflects your policyholders. Geosight represents tens of millions of observed drivers across 96% of U.S. ZIP codes.

Data blind spots leave mispricing in your book

Mispriced territories can lead to adverse selection, loss ratios above target, competitive disadvantage in profitable areas, and regulatory challenges. The root cause is that you’re missing a key input in your territorial ratemaking factors: how people actually drive in each territory.

See risk more clearly with Geosight

With Geosight, you get aggregated and anonymized driving behavior — hard braking, nighttime driving, speed patterns — from tens of millions of drivers across 96% of U.S. ZIP codes. It reveals mispricing sitting in your book right now, driven by a risk dimension your current inputs were never designed to measure.

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What are the benefits of Geosight?

See what your claims data can't
  • Your territorial rates have blind spots. Geosight reveals mispricing sitting in your book today by measuring the driving behavior shaping risk — a dimension your loss data was never built to capture.
Price new territories with confidence — from day one
  • Expanding into a new state shouldn't mean copying ISO plans or competitor filings and hoping for the best. Geosight provides a behavior-based territorial risk signal across 96% of populated U.S. ZIP codes — regardless of your book size or market share, whether you're building from scratch or sharpening what you already have.
Population-scale behavior without a telematics program
  • Telematics only captures the 5–15% of policyholders who opt in — and skews toward safe drivers on your own book. Geosight delivers driving behavior from tens of millions of U.S. drivers, across all road users, without building or managing a program.

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How does Geosight work?

1. We collect driving behavior data
Geosight driving data is aggregated and anonymized, representing tens of millions of observed drivers across 96% of U.S. ZIP codes.
2. We deliver your ZIP-level insights monthly
You receive updated, aggregated driving behavior data at the ZIP code level with no technical integration. Access it instantly in a ready-to-use format.
3. You refine your territorial pricing
Use Geosight to complement your internal credibility, validate models, spot emerging risks, and sharpen segmentation where data is thin.

Frequently asked questions

What is territorial ratemaking?

Territorial ratemaking is how insurers set auto premiums based on geographic location. It reflects differences in driving risk across ZIP codes or regions, such as accident rates or traffic patterns, enabling more accurate pricing.

Why do auto insurers need mobility data to improve their territorial pricing?

Traditional data often misses how people actually drive in different areas. Mobility data captures real-world driving patterns, which can help insurers identify risk more accurately and price more profitably.

What is Geosight℠?

Geosight is a data solution from Arity that provides near real-time, ZIP-level driving behavior insights. It can help auto insurers improve territorial pricing accuracy by offering deeper visibility into how people drive in different regions.

Who is Geosight for?

Geosight is designed for auto insurers looking to enhance their territorial ratemaking models. It’s for:

  • Actuaries looking to refine territorial pricing models
  • Pricing leaders who want to gain granular risk visibility at the ZIP code level
  • Data teams wishing to validate internal models or filling credibility gaps
  • Chief Risk Officers seeking to minimize risk exposure
What makes Geosight data unique?

Geosight draws from driving behavior data representing tens of millions of observed drivers across 96% of U.S. ZIP codes. It’s aggregated and anonymized, with no tech integration required. Insurers can access it instantly to refine pricing models and spot emerging risks faster. Download sample data.

How does Arity maintain consumer privacy?

Visit our Privacy Center to learn about our privacy approach.

Do insurers need technical integration to use Geosight driving behavior data?

No. Geosight is designed to be used with no additional technical integration needed. See a demo by downloading our sample data.

How quickly can insurers implement Geosight data?

One insurance client was able to evaluate the dataset, update pricing models, and file new rates within four months. Read the case study.

Ready to sharpen your territorial pricing?

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