Auto Location Insight(SM)

Identifying Location-Based Auto Risk

Auto Location Insight (ALI) is a location-based, predictive model that enhances the performance of rating territories for auto insurance companies. ALI provides carriers with modeled risk scores that more accurately align premiums with risk posed by an individual’s likely driving environment. By incorporating a comprehensive set of risk variables including roadway data, infrastructure, law enforcement, weather, slope & elevation, and more, ALI delivers individual scores by coverage type. Use of these scores reflect probability of loss by coverage including: Bodily Injury, Property Damage, Collision, Comprehensive, Medical, Personal Injury Protection, and Combined Single Limit.


  • Identifies a customized and dynamic driving area most predictive of risk
  • Assesses the location-specific risk for each policy
  • Produces a location-based score at the policy holder level for each coverage type
  • Supplements or replaces existing rating territories
  • Improve price segmentation, maximize premium capture opportunities, and significantly improve loss ratios

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