As connected car technology and telematics data continue to reshape auto insurance, Usage-Based Insurance (UBI) programs offer a powerful opportunity to deliver fairer pricing, deeper customer engagement and competitive differentiation. But in spite of the benefits available to consumers, there’s one major barrier to adoption that insurers can’t ignore: today’s consumers are more conscientious about sharing their personal data than ever.
Despite the clear value exchange on offer between carriers and their policyholders and the associated benefit of delivering safer roads, mass-market penetration of UBI lags behind analyst expectations.
Summarising our global consumer study conducted in April 2025, our infographic highlights some of the key insights that carriers must factor into their thinking when packaging connected auto insurance programs for the mainstream.
For a deeper dive, pair this infographic with our exclusive 8-page Executive Summary of the findings, which further illustrates the critical factors that insurance providers must address in order to access driving data at a scale that can drive powerful outcomes right across the insurance continuum.
You can request the infographic by sending an email to insights@ims.tech or by reaching out to Andrew Brown-Allan on LinkedIn.
Working with insurance carriers across the globe, IMS is helping its partners to access a multitude of performance advantages for them, and an enhanced experience for their customers:
For Insurers:
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Data-Driven Risk & Cost Control – Reduce risk, claims, and loss costs with telematics insights that enable fairer pricing, better segmentation and create competitive advantage.
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Stronger Engagement & Retention – Real-time feedback, personalized messages/coaching and safe driving rewards that keep policyholders motivated and loyal.
For Policyholders:
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Personalized Pricing & Reward based on their actual road risk rather than increasingly outdated rating proxies.
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Tools for Safer Driving – Coaching messages, videos, and performance feedback to increase their driving awareness and skills, reducing their collision risk.
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Closer Connection to Insurer – More touchpoints and personalized interactions throughout the policy term, building trust and long-term relationships that make auto insurance feel more like a value-adding service.
