More drivers are opting into usage-based auto insurance programs that monitor driving behavior through smartphone apps. Insurers report a 22% year-over-year increase in telematics enrollment.
Safe drivers can save up to 30% on premiums, though privacy advocates warn about data collection practices. Insurers say data is used only for pricing and not sold to third parties.
Young drivers and those with clean records see the biggest savings, while aggressive drivers may actually see rate increases when their data shows risky behavior.
