Root partners with Arity

Root Insurance has filed in Montana to introduce its new usage-based insurance (UBI) model, Root UBI v5. As part of the update, Root is expanding its telematics data sources by partnering with Arity’s Drivesight technology. Root plans to use Arity’s 1-999 driving score, integrating it into its proprietary scoring system to provide instant quotes for customers with an existing Arity score. The new model will apply to all new policies starting September 19, 2024, and renewal policies from November 6, 2024.

Root collaborates with Arity to access some third-party data, with explicit customer consent. However, the majority of the data used to determine rates is collected from the Root app. Data from Arity is used to offer personalized rates based on a customer’s previous driving behavior at the time of the insurance quote. This option is available to select customers, who can opt out of using existing data, choose to complete a traditional test drive, or skip the test drive and purchase coverage immediately.

Root’s primary partner is Carvana, through which it offers insurance at the point of car sale.

Root joins other insurers, including American Family and CSAA, in utilizing Arity’s technology.