Solution

Geosight℠

Get a clearer view of geographic risk

Auto insurers make geography-based decisions every day: where to price, where to review performance, where to grow, and where to manage exposure. But many common inputs, from loss history to crash data, describe what already happened. Geosight from Arity adds a current, behavior-based view of geographic risk at the ZIP code and state level, giving pricing, product, underwriting, marketing, and distribution teams another lens for territorial ratemaking and related market decisions.

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The problem

Traditional geographic inputs are foundational to auto insurance. Loss history, claims experience, crash data, market benchmarks, and other geographic indicators help carriers understand where risk has existed. But those inputs may not show how people are driving in each geography today. This information is often lagged, sparse, or slow to reflect what is happening on the road today.

 

That can leave carriers with blind spots in the decisions they make across pricing, underwriting, marketing, distribution, and portfolio management.

Adding Arity driving behavior data to geographic risk shows observed behavior across 96% of U.S. ZIP codes. It enables carriers to evaluate geography using signals such as mileage, speeding, braking, and time-of-day driving — helping teams see how driving patterns differ across markets and where those differences may matter for business decisions. That visibility can support more informed decisions about where to price, where to review, where to grow, and where to manage exposure.

What is Geosight?

Geosight delivers aggregated, anonymized driving behavior insights at the ZIP code and state level. The data summarizes observed driving behavior across large populations, including mileage patterns, speeding, braking, and time-of-day driving. It is designed to complement – not replace – traditional ratemaking inputs such as loss experience, claims trends, market data, and external geographic variables.

What Geosight enables

Add behavior-based context to territorial pricing
  • Support territorial pricing reviews
  • Compare observed driving behavior across ZIP codes and states
  • Add context where loss experience is thin, lagged, or volatile
  • Identify territories that may need updated relativities, segmentation review, or additional filing support
Proactively review your geographies
  • Monitor ZIP- or state-level driving behavior patterns
  • Identify markets that may be moving outside expected risk patterns
  • Route specific geographies into an off-cycle product or state review
  • Support deciding whether to monitor, review, or take additional pricing or underwriting action
Review exposure before adding volume
  • Flag territories that may need closer underwriting review
  • Add geographic context to risk selection conversations
  • Support discussions between underwriting, pricing, and state teams
  • Decide where to review exposure before adding more business
Prioritize customer acquisition strategy by geography
  • Inform where to increase, hold, tailor, or reduce lower-funnel spend
  • Support agent, distribution, and market planning with geographic risk context
  • Compare acquisition opportunities against observed driving behavior signals
  • Avoid adding volume in geographies that may deserve additional review

One signal, multiple carrier workflows

Pricing and actuarial teams
Use ZIP-level driving behavior data to add context to territorial pricing reviews, especially where traditional inputs may not fully explain observed risk.
Product and state teams
Use geographic driving behavior signals to prioritize markets that may deserve closer review before the next planned pricing or product cycle.
Underwriting teams
Use a ZIP-level behavioral view to identify territories where exposure may warrant closer review before adding or accepting more volume.
Marketing and distribution teams
Use geographic risk signals to evaluate where acquisition efforts may be more or less attractive from a risk perspective.

What Geosight provides

ZIP + state-level insights
See driving behavior patterns across geographies.
Aggregated and anonymized data
Use privacy-safe geographic outputs without individual driver records.
Behavior-based signals
Evaluate risk using observed driving behaviors such as mileage, speeding, braking, and time-of-day driving.
Workflow-aligned delivery
Use Geosight as an additional signal within existing pricing, product, underwriting, marketing, and distribution workflows.

Geosight is a finalist for the Insurance Luminaries Awards

PropertyCasualty360’s Insurance Luminaries Awards honor people and organizations  shaping the future of property and casualty insurance through leadership, innovation, and impact across the industry.

Learn more about Arity's nomination

Do you need ZIP-level driving behavior data in your territorial pricing?

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VIDEO

Geosight for territorial pricing

Uncover mispriced territorial risk

See risk signals your loss data was never built to capture.

Transcript (pdf)

Customer testimonials

Our top insights on risk intelligence

Risk and pricing

See our content hub for best practices on creating a modern risk and pricing framework.
See our content hub

Why accurate pricing matters in auto insurance

Traditional territorial pricing has blind spots, which leads to mispriced driver risk. Here's what to do about it.
Read our article

Driving behavior data and the future of auto insurance pricing

See how auto insurers are refining risk segmentation and improving pricing accuracy.
Read our article

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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. Geosight delivers aggregated, anonymized driving behavior insights at the ZIP code and state level. The data summarizes observed driving behavior across large populations, including mileage patterns, speeding, braking, and time-of-day driving. It is designed to complement – not replace – traditional ratemaking inputs such as loss experience, claims trends, market data, and external geographic variables.

Who is Geosight for?

Geosight is designed for auto insurance pricing and actuarial teams, product and state teams, underwriting teams, and marketing and distribution teams looking to evaluate their territories or customer acquisition efforts.

What makes Geosight data unique?

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.

How do you maintain consumer privacy?

Visit our Privacy Center to learn about our privacy policies.

Do insurers need technical integration to use Geosight?

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 story in our Quincy Mutual case study.

Get a free evaluation

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