FAQ for consumers
What is the Arity Driving Score?
The Arity Driving Score is an educational score based on driving behaviors that may be associated with risk and is part of the Arity Driving Report available through Experian®. The Arity Driving Report serves to help consumers better understand the driving behaviors that influence their driving score, provides personalized driving insights and tips, and gives them greater visibility into information that may be considered when shopping for auto insurance.
If you choose to share your driving information as part of an auto insurance shopping experience, participating insurance companies may consider your driving behavior data when providing a personalized quote. The Arity Driving Score displayed through Experian is intended for educational purposes and may differ from the data or methodology an insurance company uses for underwriting, pricing, rating, eligibility, or other insurance decisions.
Why am I seeing an Arity Driving Score?
You may be seeing an Arity Driving Score because you previously chose to share driving behavior data through a participating app, connected vehicle program, or other approved data source. When sufficient driving data is available, Arity may use that information to generate a Driving Score and related insights that can help you better understand the driving behaviors that influence your driving score.
Do I have to share my Arity Driving Score with insurance companies?
No. You control whether your Arity Driving Score is shared with an insurance company. If you choose to use your driving information when shopping for auto insurance offers, it may be shared with participating insurance companies as part of the quote process and only with your consent. The driving score available through the Arity + Experian experience is intended to help you better understand your driving behaviors and may differ from information an insurance company uses when making insurance decisions.
Will my insurance premium automatically change because I have an Arity Driving Score?
No. Simply having or viewing an Arity Driving Score through Experian does not affect your current insurance premium. The driving score is intended to give you greater visibility into driving behaviors that may be considered during auto insurance shopping. Only if you choose to share your driving score with a participating insurance company may it be considered, along with other information, when providing a personalized quote.
How do I stop sharing my driving behavior data that feeds my Arity Driving Score?
You control whether your driving behavior data is shared through participating apps, connected vehicle programs, or other approved data sources. If you no longer wish to share driving behavior data, review and update the privacy settings or permissions through the source where you originally provided consent.
How is my driving data collected?
Driving data may be collected through participating mobile apps, connected vehicle programs, or other approved data sources where you have chosen to share driving behavior data. Your driving behavior data is collected and shared only with your permission and consent. You remain in control of whether your driving behavior data and Arity Driving Score are shared with an insurance company as part of an auto insurance shopping experience.
How is the Arity Driving Score calculated?
The Arity Driving Score is based on driving behaviors that may influence driving risk. Depending on the data available, factors may include speeding, hard braking, time of day, miles driven, phone use while driving, and other driving patterns. The driving score reflects overall driving behavior over time rather than a single trip or event. Because available data can vary, the factors reflected in an individual’s driving score may vary as well.
What factors do not affect my Arity Driving Score?
The Arity Driving Score is based on your driving behavior, not your personal characteristics. Factors such as age, gender, marital status, and credit score are not used to calculate the driving score.
What time period does my Arity Driving Score cover?
Your Arity Driving Score reflects driving behavior based on the driving data available at the time the score is generated. As new trips are recorded, older driving activity falls outside the calculation window. This educational driving score may not reflect the same time period or methodology used by an insurance company when evaluating driving behavior.
Can my Arity Driving Score change over time?
Yes. As new trips are recorded, the driving activity included in your score may change over time, which may cause your Arity Driving Score to increase or decrease. However, your score may not change with every trip, and changes may be gradual depending on the driving activity included in the score.
Does late-night driving affect my Arity Driving Score?
The Arity Driving Score is based on multiple driving behaviors that may be associated with risk. While driving during late-night hours is one factor that may be considered, a single late-night trip or occasional late-night driving is unlikely to have a meaningful impact on your driving score. Frequent late-night driving over time may influence your driving score.
How can I improve my Arity Driving Score?
Changes in driving habits over time may help improve your driving score. Examples may include avoiding speeding, minimizing hard braking, and maintaining safe driving behaviors whenever possible. Through the Arity Driving Report available via Experian, you can gain insight into the driving behaviors affecting your driving score and receive tips designed to help you make informed decisions and improve your driving score over time.
Which insurance companies use the Arity Driving Score?
The Arity Driving Score has been approved for use by insurance companies in 48 states and the District of Columbia. The Arity and Experian experience is designed to help consumers better understand their driving behaviors and provide greater transparency into information that may be considered during auto insurance shopping. Consumers remain in control of whether they choose to share their driving information when exploring insurance offers. Because insurance companies use different products and programs, consumers should contact insurance companies directly to determine whether driving behavior data may be considered as part of a personalized insurance quote.
How is my driving behavior data protected and used?
Arity treats driving behavior data as entrusted information and seeks to use it in ways that are purposeful, proportional, and tied to defined experiences. Driving behavior data is protected using industry-standard security practices, including safeguards such as encryption during transmission and storage. Data is used to provide driving insights and related services and is handled in accordance with applicable privacy practices and legal requirements. See our Privacy Center for more details.
Will my Arity Driving Score affect my credit scores?
No. Your Arity Driving Score and your credit scores are separate scores based on different types of information and used for different purposes. Viewing, sharing, or using your Arity® Driving Score does not affect your credit scores or credit reports.
Is the Arity Driving Score the same as a credit score?
No. The Arity Driving Score reflects driving behavior, while a credit score reflects credit history and financial borrowing behavior. They are calculated differently and serve different purposes.
Why is my Arity Driving Score available through Experian?
Experian and Arity have partnered to help consumers better understand their driving behaviors and make more informed decisions when shopping for auto insurance. Through the Experian experience, you can view your Arity Driving Score, learn about the driving behaviors that influence it, and access personalized insights designed to help you better understand your driving score. You remain in control of how your information is used and can choose whether to share driving information with participating insurance companies when exploring auto insurance offers.
How does Experian work with Arity to provide this experience?
Arity uses driving behavior data that consumers have chosen to share through participating sources to generate their Arity Driving Score and related driving insights. Experian provides a place for consumers to view that driving score and associated insights, better understand the driving behaviors that influence them, and choose whether to use that information when exploring insurance options.
How often is my Arity Driving Score refreshed in Experian?
When you view your driving information through Experian, the latest available Arity Driving Score and associated driving insights are displayed. Your driving score may change over time as additional driving behavior data becomes available, and older driving activity falls outside the rolling scoring period.
What if I don’t have an Arity Driving Score?
An Arity Driving Score is generated using driving behavior data that you choose to share through participating apps, connected vehicle programs, or other approved data sources. If you have not shared driving data through one of these sources, or if there is not enough driving data available yet, an Arity Driving Score may not be available. If you don’t currently have a driving score, you may receive additional information about how to start sharing data to generate one for yourself.