Arity Brings Behavioral Precision to Territorial Ratemaking at CAS RPM

Unlocking territorial risk by measuring how people actually drive

Mar. 16, 2026 at 1:22pm

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Arity, a mobility data and analytics company, will exhibit and present at the Casualty Actuarial Society's Ratemaking, Product and Modeling (CAS RPM) Seminar. Arity experts will lead a session showing how aggregated driving behavior data can uncover meaningful, mispriced territorial risk that traditional ratemaking factors were never designed to capture.

Why it matters

Every carrier prices territories using a combination of internal loss experience, industry benchmarks, and third-party claims history, but these inputs only reflect losses that have already occurred. Arity's driving behavior data can provide a forward-looking risk dimension that traditional territorial factors cannot, enabling actuaries to identify and correct territorial mispricing before it shows up in loss ratios.

The details

Arity's Geosight SM dataset captures behavioral risk signals from tens of millions of consented U.S. drivers covering 96% of populated ZIP codes, reflecting how people actually drive across territories, not just one carrier's policyholders. Arity analysis shows that ZIP codes with the highest hard braking frequency had 3.5x higher bodily injury loss costs and 2.8x higher personal injury protection loss costs compared to ZIP codes with the lowest hard braking frequency.

  • The CAS RPM Seminar is taking place this week.
  • Arity's session is scheduled for Wednesday, March 18 at 2:15 p.m. CT.

The players

Arity

A mobility data and analytics company that provides data-driven solutions to companies invested in transportation, enabling them to deliver smarter, safer, and more economical mobility services.

Casualty Actuarial Society (CAS)

A professional organization dedicated to the advancement of the actuarial profession, particularly in the property and casualty insurance industry.

Megan Jones

An Arity expert who will be presenting at the CAS RPM Seminar.

Patrick Peters

An Arity expert who will be presenting at the CAS RPM Seminar.

Henry Kowal

The Insurance Product Director at Arity.

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What they’re saying

“Risk across geography is not static and continues to evolve. Return to office mandates have changed traffic patterns again. Driving behavior shifts faster than census data, faster than loss trends – and actuaries need signals that keep up.”

— Henry Kowal, Insurance Product Director at Arity (rivertonjournal.com)

What’s next

Attendees can connect with the Arity team during the CAS RPM Seminar or request a sample Geosight SM dataset after the session.

The takeaway

Arity's driving behavior data can provide actuaries with a forward-looking risk dimension that traditional territorial factors cannot, enabling them to identify and correct territorial mispricing before it shows up in loss ratios.