Driver Behavior Data

Overview

The driver behavior data is sourced from de-identified and aggregated sensor-based measurements collected from mobile phones via a panel of applications. The applications are not affiliated with any particular demographic group or vehicle type, nor are they tied exclusively to opt-in insurance tracking applications, in order to minimize behavioral, geographic, and demographic biases.

As of 2026, de-identified behavior is captured from around 20 percent of drivers nationwide. These insights are further processed and contextualized through road-network linkage and aggregated to time-of-day and weekday/weekend patterns.

Driving Event Types

Continuous measurement of driver speeds throughout each trip enables comparison against speed limit references and classification of speeding events. Driver behavior events are detected as follows:

• Hard Braking: Detected when the deceleration rate of a vehicle exceeds a per-second threshold.
• Rapid Acceleration: Detected when the acceleration rate of a vehicle exceeds a per-second threshold.
• Excessive Speeding: Detected when vehicle speed exceeds certain critical speeds, like 80 mph, or contextual speeds like 20 mph above the speed limit.
• Distracted Driving: Detected based on the start and end of phone movement from phone-based sensors that indicate meaningful changes in phone orientation for vehicle occupants identified as drivers.
• Suspected Collisions: Detected by a sharp spike in accelerometer readings followed by a major deceleration.

Data Coverage

Drive Behavior data currently includes the following time periods and geographies:

• Fall 2025 (September and October 2025): All 50 states and the District of Columbia.
• Spring 2025 (March, April, and May 2025): California, Connecticut, Delaware, District of Columbia, Florida, Hawaii, Illinois, Indiana, Kansas, Massachusetts, Minnesota, Mississippi, Missouri, South Carolina, and Virginia.
• Fall 2024 (September and October 2024): California, District of Columbia, Indiana, Kansas, and Massachusetts.

Nationwide coverage will continue on a seasonal basis going forward, with monthly coverage coming soon. If you require additional historical temporal coverage, please contact us.