Arity

Allstate launched Arity on November 10, 2016. It started as a five-year internal project to build driver-risk models. When Allstate spun it out, Arity got access to Allstate's 85+ years of claims history and data from tens of millions of policyholders.

Business model. Arity sells data and scores, not insurance. It has three types of customers: auto insurers who want better pricing data; car makers and connected-vehicle platforms who want trip data; and retailers (auto shops, convenience stores, fleet operators) who want to know which drivers pass by their locations. More than 40 million U.S. drivers share their driving data with Arity through its apps or connected-vehicle integrations.

Products. Arity IQ lets an insurer look up a driver's behavior score at the time of a quote or renewal. Drivesight® 3.0 is a driving score filed in 47 states; it flags behaviors the driver controls — speeding, harsh braking, phone use at the wheel. Routely® is a ready-to-launch mobile app that carriers can use to run a usage-based insurance program. Arity Audiences lets retailers target drivers based on where they drive and how often.

Customer base. National General was Arity's first customer outside Allstate. It used Routely and Drivesight to run its telematics program. Root Insurance added Arity's score to its UBI v5 model in September 2024. American Family and CSAA also use Arity technology. Allstate itself is still Arity's largest customer.

Scale and data. Arity has recorded more than one trillion miles of driving — roughly 15% of all U.S. driving. It adds one billion more miles every day. That data is matched against hundreds of thousands of real insurance claims.

Analyst gap. Gartner, Forrester, and Celent do not include Arity in their indexed reports on insurance AI platforms. The main third-party coverage comes from trade publications: Carrier Management, Digital Insurance, and InsurTech Digital. Arity is a wholly owned Allstate subsidiary, and analyst reports typically focus on independent vendors rather than captive units.

Market position vs. Cambridge Mobile Telematics. Arity and CMT both sell telematics scores built from smartphone and connected-vehicle data. CMT works with 21 of the top 25 U.S. insurers — including State Farm, Progressive, Liberty Mutual, USAA, and Travelers — and has $850M in disclosed funding. Arity has fewer publicly confirmed carrier customers. Its edge is the link to Allstate's claims data and its expansion into automotive and retail beyond pure insurance pricing.