Usage-Based Insurance Calculator
Estimate your potential savings from telematics-based auto insurance by scoring your driving habits.
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Inputs
Results
Driving Score
68 / 100
Estimated Discount
15%
How to Use This Calculator
- Enter your Current Annual Premium as the baseline for comparison.
- Input your Average Daily Miles driven to establish the usage profile.
- Set the number of Hard Braking Events per week and any Speeding time percentage.
- Enter Night Driving and Phone Distraction percentages from your telematics app if available.
- Review your Driving Score (0–100) and the Estimated Discount percentage to see your Projected Annual Premium.
How the result changes with Average Daily Miles
| Average Daily Miles | Driving Score | Estimated Discount |
|---|---|---|
| 21 | 73 / 100 | 15% |
| 71 | 55 / 100 | 5% |
| 130 | 55 / 100 | 5% |
| 180 | 55 / 100 | 5% |
What each input means
- Current Annual Premium
- Your current annual auto insurance premium.
- Average Daily Miles
- Average miles driven per day. Lower mileage earns better rates.
- Hard Braking Events per Week
- Number of hard braking events per week. Smooth driving scores higher.
- Night Driving
- Percentage of driving done between 11 PM and 4 AM. Less night driving is safer.
- Time Spent Speeding
- Percentage of driving time exceeding the speed limit by 8+ mph.
- Phone Distraction Time
- Percentage of driving time with phone interaction detected.
How this is calculated
Worked example, using the default values
- Identify Input Parameters4 parametersCurrent Annual Premium = 1800, Average Daily Miles = 30, Hard Braking Events per Week = 3, Night Driving = 15 = 6 input(s) provided
- Calculate Driving ScoreDriving Score68 = 68
- Calculate Estimated DiscountEstimated Discount15 = 15%
- Calculate Projected Annual Premium1530 = $1,530
- Calculate Annual SavingsAnnual Savings270 = $270
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