Driving trends: 5 insights to sharpen your auto insurance strategy

The auto insurance landscape is evolving faster than ever. Are your strategies keeping pace with the latest driving trends and risk factors? In a market shaped by shifting consumer habits, emerging mobility patterns, and new sources of driving behavior data, insurers need sharper insights to stay ahead.

Our tip sheet reveals five essential 2025 driving trends that are reshaping risk, pricing, and profitability for auto insurers. Drawing on 2 trillions of miles of trip-level data, this resource translates complex driving behavior data into actionable insights so you can make smarter, data-driven decisions at every stage of the policy lifecycle.

Why read the driving trends tip sheet?

Discover driving trends that impact your business:

• The return of the morning commute: Discover how changing work-life patterns and the resurgence of rush hour are impacting exposure and claims risk.
• Longer trips, greater risk: See why trip duration and mileage are rising, and what that means for underwriting and insurance strategy.
• Safer roads, smarter drivers: Learn how shifting distracted driving rates and telematics programs are creating new opportunities for customer engagement and retention.
• Highways vs. local roads: Understand how driving environments affect risk profiles, and how to adapt your segmentation and pricing models.
• Congestion on the rise: Get ahead of shifting traffic patterns and traffic congestion with real-time mobility intelligence.

Don’t let outdated assumptions hold your business back. With smarter insights, you can build a stronger bottom line and deliver safer roads for everyone.