Auto Insurance Telematics Adoption & Attitudes Survey

Welcome! Thank you for participating in this survey about usage-based (telematics) auto insurance. The survey takes approximately 13 minutes to complete. Your responses are confidential and will be reported only in aggregate. There are no right or wrong answers—we are interested in your honest opinions. Participation is voluntary and you may stop at any time.

Which of the following best describes your experience with usage-based insurance (UBI) or telematics on your personal auto policy?

• Currently enrolled in a UBI/telematics program
• Previously enrolled, but not currently
• Offered by my insurer, but I declined
• Not offered by my insurer
• Not sure

Which type of telematics program are you (or were you) enrolled in?

• Continuous app-based driving monitoring
• Plug-in device (OBD-II) or built-in car connectivity
• Pay-per-mile program
• Initial trial/short-term monitoring only
• Other (please specify)
• Not sure

What is the main reason you are not currently enrolled in a UBI or telematics program?

• Privacy concerns about location or behavior tracking
• Unsure how the program works
• Concern about possible premium increases
• The discount seems too small
• Potential battery/data usage or app performance issues
• Not available from my insurer
• I don't drive enough to benefit
• Prefer not to use a smartphone while driving
• Other (please specify)

What ongoing discount would feel fair to you in exchange for continuously sharing detailed driving data with your insurer?

• Less than 5%
• 5–10%
• 11–15%
• 16–20%
• 21–25%
• 26–30%
• More than 30%
• No discount would make this feel fair
• Not sure

If you were sharing driving data with your insurer, what frequency of data sharing would you prefer?

• Share only at policy start or renewal
• Share monthly summaries
• Share per trip
• Share continuously in real time
• Not sure

Based on your responses in this survey, is there anything else you would like to share about your thoughts or feelings regarding telematics-based auto insurance?

What is your age range?

• 18–24
• 25–34
• 35–44
• 45–54
• 55–64
• 65–74
• 75+
• Prefer not to say

Thank you for participating in this survey! Your responses have been recorded and will help improve how insurers design telematics programs. You may now close this window.

Overall, how satisfied are you (or were you) with your telematics program?

If you were to enroll in a telematics program, what minimum guaranteed discount would you need to sign up?

• Less than 5%
• 5–10%
• 11–15%
• 16–20%
• 21–25%
• 26–30%
• More than 30%
• No discount would persuade me
• Not sure

Please rank the following telematics features by how important they are to you (drag to reorder, 1 = most important).

1. Guaranteed upfront discount
2. Earned rewards for safe driving
3. Pay-per-mile pricing
4. Trip feedback and coaching
5. Crash/incident detection assistance
6. Stolen vehicle assistance

Which one of the following would you most want in return for sharing your driving data?

• A clear breakdown of how my price is calculated
• A personal driving score
• Tips to improve my score
• Ability to pause data collection
• A map of my trips
• Incident/crash detection assistance
• In-app privacy controls
• Other (please specify)

We'd like to learn more about your views on usage-based insurance. Our AI moderator will ask you a couple of follow-up questions based on your earlier responses.

What is your gender?

• Woman
• Man
• Non-binary
• Prefer not to say

How fair was the price you received through your telematics program compared to traditional auto insurance pricing?

How comfortable are you with your insurer collecting your GPS location data?

Overall, how fair do you think it is for insurers to use individual driving data to set auto insurance prices?

Where do you primarily reside?

• United States
• Canada
• United Kingdom
• European Union
• Australia/New Zealand
• Other

Since enrolling in your telematics program, how have your overall driving habits changed?

How comfortable are you with your insurer collecting your speed and braking patterns?

How likely are you to enroll in (or stay enrolled in) a telematics program at your next policy renewal?

What is the highest level of education you have completed?

• Less than high school
• High school or equivalent
• Some college/associate degree
• Bachelor's degree
• Graduate/professional degree
• Prefer not to say

How comfortable are you with the amount of driving data your insurer collects through your telematics program?

How comfortable are you with your insurer collecting data on the time of day you drive?

What is your current employment status?

• Employed full time
• Employed part time
• Self-employed
• Unemployed and seeking work
• Student
• Retired
• Homemaker/caregiver
• Prefer not to say

How comfortable are you with your insurer collecting data on your phone usage while driving?

Approximately how many miles do you drive in a typical month?

• Less than 200 miles
• 200–500 miles
• 501–1,000 miles
• 1,001–1,500 miles
• 1,501–2,000 miles
• More than 2,000 miles
• Not sure

How comfortable are you with your insurer collecting data on total distance traveled per trip?

What is the primary way you use your vehicle?

• Commuting to work or school
• Household errands
• Rideshare/delivery driving
• Leisure/road trips
• Business use (non-delivery)
• Other (please specify)