Telematics uses technology, often through an app on your smartphone, to provide information about your driving habits.
Depending on the program, factors such as braking, speed, distracted driving, and when you drive may contribute to your driving score.
There can also be benefits beyond simply receiving a score. Some programs allow participating drivers to review individual trips, see driving performance, and identify opportunities to build safer driving habits.
Using a driving app means sharing information about how you drive. Before enrolling, take time to understand what information will be collected and how it will be used.
You may be eligible for discounts for participating in Utica National's Personal Auto telematics program.
Talk with your independent insurance agent about telematics and if you’re eligible to enroll.
Sources:
BIG I. Telematics. https://www.independentagent.com/resource/telematics/. Accessed October 21, 2026.
This summary represents an outline of coverage available from the companies of the Utica National Insurance Group (Utica Mutual Insurance Company, its affiliates and subsidiaries, New Hartford, New York 13413). No coverage is provided by this summary. All coverages are individually underwritten. Coverage availability, terms, and conditions are dictated by the policy and may vary by state. In the event of a loss, the terms of the policy issued will determine the coverage provided. For questions on coverages, contact your independent agent.