usage-based-insurance
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CAA Knows Where Cars Will Fail Next - Inside the Membership Machine Built for Bad Days
The century-old auto club has become an insurer, travel desk, rewards network and predictive logistics operator. Its cleverest product may be the one members never see: a live map that moves rescuers before the breakdown call arrives.
Mercury Insurance
Mercury built a nearly $6 billion insurance business by pairing disciplined underwriting with thousands of independent agents. Now it is adding apps, telematics and online service without abandoning the human network that still produces most of its premiums.
Progressive Insurance
Progressive became an insurance giant by doing something that sounds commercially reckless: making prices easier to compare. Behind Flo and the blue lettering sits a disciplined machine for pricing risk, distributing through both screens and independent agents, and turning insurance from a mystery into a shopping decision.
Clupp
Clupp is a Mexico City insurtech offering pay-per-kilometer insurance for cars, motorcycles, bicycles, scooters, and gadgets. Its app prices policies on how much and how well you drive, rewarding low-mileage and low-risk customers with lower premiums. Founded in 2021 and backed by Y Combinator (W22), Clupp partners with established carriers and reinsurers to cover claims, and has expanded into B2B SaaS tools for brokers and insurance products tied to startup financing.
Saferoad Information Technology LTD.
Saferoad Information Technology is a Saudi telematics and IoT company based in Al Khobar that builds both the hardware and the software behind vehicle tracking and fleet management. Founded by Mohannad Alhaj in 2009, it positions itself as the Kingdom's first and only full-stack telematics provider - designing its own GPS trackers, dash cams and sensors while running an AI-driven cloud platform for fleet monitoring, driver-behavior scoring, cold-chain compliance, car sharing and school-bus safety. Its stated mission is to reduce road fatalities and improve driving behavior across Saudi Arabia, serving corporate and government clients including Saudi Aramco, Saudi Post, SAPTCO and the Transport General Authority.
VOOM Insurance
VOOM Insurance is an insurtech company building usage-based, telematics-driven insurance for underserved mobility segments - motorcycles, drones, e-bikes, light aircraft and gig drivers. Founded in 2016 by Tomer Kashi and Ori Blumenthal, VOOM launched the world's first pay-per-mile motorcycle insurance and, through its SkyWatch division, became the leading digital drone insurance product in North America. The company charges customers based on actual usage rather than flat annual premiums, aiming to make coverage fairer for people whose vehicles sit idle for much of the year.
Just
Just (Just Insure) is a Los Angeles-based insurtech offering pay-per-mile auto insurance. Instead of pricing premiums on demographics like age, sex or ZIP code, Just uses smartphone telematics to charge drivers for the miles they actually drive and reprices rates monthly based on how, when and where they drive. The model is aimed at low-mileage and safe drivers, with the company claiming savings of up to 50% versus traditional carriers. Founded in 2019 by Robert Smithson, Just launched in Arizona and has expanded into Nevada.