The Definitive Guide to Usage-Based Auto Insurance

Usage-based auto insurance tracks driving habits, like mileage, speed, and braking, to set personalized rates. UBI programs use apps or plug-in devices to collect driving data. Participants save around $45 per month. While usage-based insurance discounts can save up to 40%, most drivers save about 12%.

UPDATED: Jun 3, 2025Fact Checked

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Melanie Musson

Published Insurance Expert

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

Published Insurance Expert

Chris Abrams

Licensed Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...

Licensed Insurance Agent

UPDATED: Jun 3, 2025

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<h3>Auto Insurance Data Sharing Concerns Among Drivers</h3>
<h3>Auto Insurance Discounts by Savings Potential</h3>
<h3>Auto Insurance Data Sharing Concerns Among Drivers</h3>
<h3>Auto Insurance Discounts by Savings Potential</h3>