Arity pitches ZIP-level driving data for pricing risk

Arity  is highlighting the use of driving behavior data for territorial ratemaking at the Casualty Actuarial Society’s RPM Seminar, arguing that traditional pricing models miss emerging risk.

The company said insurers typically rely on historical losses and claims data, which reflect past outcomes but not how people currently drive. Arity’s dataset instead measures real-world behavior at the ZIP code level, including braking patterns, mileage, speed, and nighttime driving.

According to Arity, areas with the highest hard braking frequency show 3.5x higher bodily injury loss costs and 2.8x higher personal injury protection costs compared to areas with the lowest frequency.

Its Geosight dataset covers tens of millions of drivers across 96% of populated U.S. ZIP codes and is designed to plug into existing ratemaking workflows without requiring telematics enrollment.