Arity

Arity is a mobility data and analytics platform launched by Allstate Corporation on November 10, 2016. The spinout formalized a five-year internal project to build proprietary driver-risk models, giving Arity access to Allstate's 85+ years of claims history and tens of millions of policyholders.

Business model. Unlike Allstate's core insurance business, Arity operates as a data-as-a-service vendor. It monetizes three customer streams: auto carriers seeking to improve pricing accuracy via telematics scoring; automotive OEMs and connected-car platforms seeking trip data; and retail networks (auto aftermarket, convenience stores, fleet operators) seeking location and drive-by analytics on their customer base. Over 40 million active U.S. drivers have opted into sharing driving data through Arity's mobile apps and connected-vehicle integrations.

Products. Arity IQ allows insurers to query driving-behavior scores at new business and renewal, enabling real-time telematics pricing at quote. Drivesight® 3.0 is a claims-linked driving score (filed in 47 states) that surfaces behaviors within the driver's control: speeding, harsh braking, distracted driving. Routely® is a turnkey mobile telematics app for carriers to launch usage-based insurance programs. Arity Audiences targets consumers by geolocation and mobility patterns.

Customer base. National General launched its first-party telematics program using Routely and Drivesight (it was Arity's first non-Allstate customer). Root Insurance integrated Arity's score into its UBI v5 model in September 2024. American Family and CSAA are cited as Arity users. Allstate itself remains the largest customer.

Scale and data. Arity has collected over one trillion miles of driving data—approximately 15% of the U.S. driving population—and ingests one billion additional miles daily. This dataset is cross-referenced against hundreds of thousands of actual insurance claims.

Analyst gap. Despite extensive product portfolio and data scale, Arity does not appear in indexed Gartner, Forrester, or Celent reports on insurance AI platforms. Trade press coverage (Carrier Management, Digital Insurance, InsurTech Digital) is the primary source of third-party validation. This gap reflects Arity's subsidiary status within Allstate; analyst reports tend to exclude corporate captive units in favor of independent vendors.

Market position vs. Cambridge Mobile Telematics. Both platforms monetize smartphone and connected-vehicle telematics. CMT serves 21 of the top 25 U.S. insurers (State Farm, Progressive, Liberty Mutual, USAA, Travelers) and carries $850M in disclosed funding. Arity's customer list is smaller in public disclosure, though its integration with Allstate's claims data, and its expansion into automotive and retail, represent differentiation beyond pure insurance pricing.