Arity Brings Behavioral Precision to Territorial Ratemaking at CAS RPM

Unlocking territorial risk by measuring how people actually drive

Mar. 16, 2026 at 6:03pm

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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 some combination of internal loss experience, industry benchmarks, and third-party claims history, but these inputs only reflect losses that have already occurred and cannot measure how people actually drive in each territory today or where risk is developing ahead of claims. Arity's driving behavior dataset can provide a forward-looking risk dimension that traditional territorial factors cannot.

The details

Arity's GeosightSM dataset captures behavioral risk signals from tens of millions of consented U.S. drivers covering 96% of populated ZIP codes. The signal reflects how people actually drive across territories, not just one carrier's policyholders, and requires no telematics enrollment. Arity analysis shows that ZIP codes with the highest hard braking frequency showed 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.

  • Arity will present at the CAS RPM Seminar on 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.

Megan Jones

An Arity expert who will lead the session on driving behavior data for territorial pricing.

Patrick Peters

An Arity expert who will lead the session on driving behavior data for territorial pricing.

Henry Kowal

The Insurance Product Director at Arity.

Casualty Actuarial Society (CAS)

The organization hosting the Ratemaking, Product and Modeling (RPM) Seminar where Arity will present.

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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 (PR Newswire)

What’s next

Attendees can connect with the Arity team during the conference or request a sample GeosightSM dataset after the session.

The takeaway

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