Premium Score

Traditional rating factors don’t give the whole picture of a driver’s crash risk, and are often out of the driver’s control. Premium Score measures behaviors directly correlated with crash risk — many that drivers can actionably improve — enabling better underwriting and making drivers less costly over time.

Risk Factors

Built on millions of trips and billions of miles over six continents, Premium Score captures driving behaviors that are truly indicative of crash risk.

Excessive speeding

Phone motion

Screen interaction

Hard braking

Harsh acceleration

Sharp cornering

Telematics collisions

Premium Score

Receive an accurate assessment of driver risk for loss prediction and pricing

Seamless filing process

To simplify the state filing process for insurers, CMT has filed Premium Score with Departments of Insurance across the United States. It’s currently approved in 49 states for personal and commercial lines.

Best-in-class actuarial model

Segment the riskiest and safest drivers with an actuarial model built exclusively on telematics-based factors that predict a driver’s risk of collision.

Externally validated

Model performance tested against independent claims data

Externally reviewed

Meets actuarial standards of practice, verified by third-party actuarial firm Pinnacle Consulting

How Premium Score works

Step 1

Driver trips are captured over an assessment period

Step 2

Risky driving events are detected and measured

Step 3

Driver data is processed by our proprietary model to determine risk

Step 4

Insurer uses Premium Score for new business or renewal

Changing Driving Behavior

Surface in-app actionable feedback to improve driving behavior

Less risk and costs

Help your drivers understand their risky driving behaviors and motivate them to improve with transparent and frequent feedback on their driving behavior.