Cambridge Mobile Telematics (CMT) and TransUnion have struck a deal that could reshape how auto insurance is priced.
Their alliance launches portable consumer driving scores – user-controlled data that drivers can carry across insurers to secure better rates at the moment of quote.
The play combines CMT’s global telematics reach with TransUnion’s focus on consumer empowerment, setting up a fresh model for risk measurement and reward.
Drivers will, for the first time, see their own driving behavior tracked, coached, and scored in a way they can share.
Real-time feedback aims to sharpen habits, while the portable score serves as a credential to unlock personalized auto insurance. Because the scores fall under Fair Credit Reporting Act protections, consumers gain safeguards similar to credit scores but tied to how they drive.
Insurers, meanwhile, sidestep the friction of “try-before-you-buy” telematics pilots. Portable scores give them immediate insight into driving risk at quote, making personalized pricing possible from day one.
Since the scoring system is fully compatible with CMT-powered usage-based programs, carriers can roll out streamlined end-to-end journeys and tap into a wider pool of engaged safe drivers.
Portable consumer scores give people real agency – turning safe behavior into lasting value while giving insurers the confidence to price risk immediately
Powers, co-founder and CEO of CMT: “Safe driving should be a lifetime benefit, not a temporary promotion,” said William V. Powers.
Mark McElroy, EVP of TransUnion’s Insurance business, added: “Consumers can now treat their safe driving like a tangible asset. They can shop with confidence, and insurers gain the ability to connect the right drivers with the right coverage from the first quote.”
The company’s AI-driven DriveWell Fusion platform identifies and reduces risk proactively, detecting crashes, triggering assistance, and streamlining claims.
TransUnion, for its part, already supports consumers with credit education, identity protection, and financial tools.
This partnership extends that mission into auto insurance, giving drivers both transparency and control over how their behavior translates into cost.
The alliance marks only the opening chapter. Both companies hint at a longer journey to change how consumers and insurers engage with driving risk.
CMT brings heft to the table. Its platform measures and improves driving behavior for more than 55 mn drivers across 25 countries, and by its tally, has helped prevent over 100,000 crashes.
“CMT was founded to make the world’s roads and drivers safer,” said William V. Powers. “Working with our customers to prevent 100,000 crashes is a tremendous milestone, but it’s only the beginning”.
Every one of those avoided crashes represents lives saved, injuries prevented, and families spared the devastation of crashes. We won’t stop until every driver on the road is safer and better protected.
CMT quantifies its impact on road safety by measuring reductions in risky driving behaviors among tens of millions of drivers on its platform.
Using AI and large-scale driving data, CMT determines the relationship between risk behaviors like phone distraction, hard braking, and speeding, and the likelihood of crashes.
When drivers improve these behaviors through telematics-powered feedback, rewards, and engagement programs, their risk of crashing decreases.
Multiple large-scale studies validate this effect. CMT has found that high-risk drivers reduce hard braking by 20%, phone-based distraction by 20%, and speeding by 27% when engaged through telematics programs.
These changes translate into a 5.5% reduction in the likelihood of a bodily injury claim. By mapping these standardized reductions against crash, injury, and fatality data from the National Highway Traffic Safety Administration (NHTSA), CMT can model its overall safety impact, projecting that it has helped prevent over 100,000 crashes to date.
