Your territorial rates have blind spots. Geosight reveals the driving behavior behind them — a risk dimension your loss data was never built to measure.
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.
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.
See risk signals your loss data was never built to capture.
Learn how driving behavior data from Arity helped a regional insurer improve segmentation, reduce bias, and cover data blind spots as a complement of credibility to their own data.
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.
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.
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.
Geosight is designed for auto insurers looking to enhance their territorial ratemaking models. It’s especially useful for carriers seeking to reduce bias, close data gaps, and gain insights beyond their current book of business.
Geosight draws from driving behavior data representing over 15% of the U.S. driving population. 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.
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No. Geosight is designed to be used with no additional technical integration needed. See a demo by downloading our sample data.
One insurance client was able to evaluate the dataset, update pricing models, and file new rates within four months. Read the story in our Quincy Mutual case study.