https://www.youngju.dev/blog 천천히 올바르게. AI Researcher & DevOps Engineer Youngju's tech blog. GPU/CUDA, LLM, MLOps, Kubernetes AI workloads, distributed training, and data engineering. ko fjvbn2003@gmail.com (Youngju Kim) fjvbn2003@gmail.com (Youngju Kim) Mon, 25 May 2026 00:00:00 GMT https://www.youngju.dev/blog/culture/2026-05-25-auto-telematics-ubi-progressive-snapshot-allstate-drivewise-root-cambridge-mobile-2026-deep-dive.en https://www.youngju.dev/blog/culture/2026-05-25-auto-telematics-ubi-progressive-snapshot-allstate-drivewise-root-cambridge-mobile-2026-deep-dive.en In 2026, auto insurance has effectively defaulted to a model where you pay for how much and how you drive. Progressive Snapshot advertises a 30% discount cap; Allstate Drivewise, State Farm Drive Safe & Save, and Liberty Mutual RightTrack have cut enrollment to five minutes via smartphone telematics. Root Insurance, telematics-first, is chasing profitability after IPO; Metromile, acquired by Lemonade, runs its per-mile pricing as a closed line. Cambridge Mobile Telematics (CMT), Arity (Allstate subsidiary), and Octo Telematics power scoring on the back end. In Korea, Carrot Permile crossed 1M cumulative subscribers and is preparing an IPO; KB Direct Drive and Samsung Fire MyCar are extending PHYD lines. In Japan, SOMPO Drive Save hit its 5-year mark, while Tokio Marine Drive Agent and Sompo Japan Smiling Road differentiate through driver coaching. Comparisons of OBD-II vs smartphone vs embedded telematics, harsh braking and cornering and phone-use detection algorithms, GDPR/CCPA data privacy, Tesla Insurance expanding into four new states, and fleet telematics led by Geotab and Samsara — one map for the 2026 UBI landscape. Mon, 25 May 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) auto-insurancetelematicsubiprogressive-snapshotallstate-drivewiseroot-insurancemetromilecambridge-mobile-telematicsaritycarrot-permiletesla-insurancephydpayd https://www.youngju.dev/blog/culture/2026-05-25-auto-telematics-ubi-progressive-snapshot-allstate-drivewise-root-cambridge-mobile-2026-deep-dive.ja https://www.youngju.dev/blog/culture/2026-05-25-auto-telematics-ubi-progressive-snapshot-allstate-drivewise-root-cambridge-mobile-2026-deep-dive.ja 2026 年の自動車保険は「走った分」と「走り方」で料金を払うモデルが事実上の標準になった。Progressive Snapshot は 30% の割引上限を打ち出し、Allstate Drivewise・State Farm Drive Safe & Save・Liberty Mutual RightTrack はスマートフォン テレマティクスで加入手続きを 5 分まで短縮した。Root Insurance はテレマティクス ファーストで IPO 後に黒字化を狙い、Metromile は Lemonade に買収されて per-mile プライシングをクローズドな商品ラインとして運営する。バックエンドには Cambridge Mobile Telematics(CMT)と Arity(Allstate 子会社)、Octo Telematics がスコアリング エンジンを供給する。韓国ではキャロット Permile が累計 100 万契約を超え IPO を準備し、KB ダイレクト Drive と Samsung Fire マイカーが PHYD 商品ラインを拡張する。日本では SOMPO Drive Save が 5 周年を迎え、東京海上 Drive Agent と 損保ジャパン Smiling Road が運転コーチングで差別化する。OBD-II・スマートフォン・組み込み テレマティクスの比較、ハードブレーキ・コーナリング・スマートフォン使用の検知アルゴリズム、GDPR/CCPA データ プライバシー、Tesla Insurance の 4 州拡大、そして Geotab・Samsara が牽引するフリート テレマティクスまで。2026 年の UBI 地図を 1 枚にまとめる。 Mon, 25 May 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) auto-insurancetelematicsubiprogressive-snapshotallstate-drivewiseroot-insurancemetromilecambridge-mobile-telematicsaritycarrot-permiletesla-insurancephydpayd https://www.youngju.dev/blog/culture/2026-05-25-auto-telematics-ubi-progressive-snapshot-allstate-drivewise-root-cambridge-mobile-2026-deep-dive https://www.youngju.dev/blog/culture/2026-05-25-auto-telematics-ubi-progressive-snapshot-allstate-drivewise-root-cambridge-mobile-2026-deep-dive 2026년 자동차보험은 운전한 만큼·운전한 방식대로 돈을 내는 모델이 사실상의 디폴트가 되었다. Progressive Snapshot은 30% 할인 폭을 광고하고, Allstate Drivewise·State Farm Drive Safe & Save·Liberty Mutual RightTrack은 스마트폰 텔레매틱스로 가입 절차를 5분으로 줄였다. Root Insurance는 텔레매틱스 퍼스트로 IPO 후 흑자전환을 시도하고, Metromile은 Lemonade에 인수돼 per-mile 가격제를 자체 폐쇄형으로 운영한다. 백엔드에는 Cambridge Mobile Telematics(CMT)와 Arity(Allstate 자회사), Octo Telematics가 점수 산정 알고리즘을 공급한다. 한국에서는 캐롯 퍼마일이 누적 100만 가입자를 넘기며 IPO를 준비하고, KB다이렉트 Drive와 삼성화재 마이카가 PHYD 라인을 확장한다. 일본은 SOMPO Drive Save가 5주년을 맞고, 東京海上 Drive Agent와 損保ジャパン Smiling Road가 운전 코칭으로 차별화한다. OBD-II·스마트폰·임베디드 텔레매틱스의 비교, harsh braking·코너링·스마트폰 사용 탐지 알고리즘, GDPR/CCPA 데이터 프라이버시, Tesla Insurance 4개 주 확대, 그리고 Geotab·Samsara가 끄는 플릿 텔레매틱스까지. 2026년 UBI 지도를 한 장으로 정리한다. Mon, 25 May 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) auto-insurancetelematicsubiprogressive-snapshotallstate-drivewiseroot-insurancemetromilecambridge-mobile-telematicsaritycarrot-permiletesla-insurancephydpayd