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Ford To Sell Your Driver Behavior To Auto Insurance Companies

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Ford Spills Your Beans
  • In the last 12 months, Ford secured agreements with key insurance carriers, including State Farm, Allstate, Liberty Mutual and Metromile to help customers save money on premiums based on driver behavior, utilizing its built-in connectivity technology on eligible vehicles
  • Customers who choose to do so can allow information about how they drive to be shared with their insurance carrier via embedded vehicle telematics, and may be eligible to receive discounts based on how they drive
  • Ford Insure and Lincoln Motor Company Insure also offer usage-based policies through FordPass and Lincoln Way apps, and, utilizing Ford’s connected vehicle ecosystem 

DEARBORN, Mich., Dec. 21, 2020 – Choosing the right auto insurance policy can be a daunting task for vehicle owners, but what if customers could have confidence that their policy takes their driving behavior into account? If you drive a connected Ford vehicle, the Blue Oval is here to help.

Ford is teaming up with insurance carriers across the U.S. to help customers save money on premiums based on driver behavior, utilizing its built-in connectivity technology on eligible vehicles. In addition, Ford Insure and Lincoln Motor Company Insure, underwritten by Nationwide, offer a simple way to secure usage-based policies through Ford’s insurance agency subsidiary¹.

Already, Ford has secured agreements with State Farm, Allstate, Liberty Mutual, Metromile and Verisk Data Exchange to support usage-based insurance policies, with more collaborations planned. Several more insurance carriers are under contract and will be announced in the future.

“Connected vehicles present new opportunities for us to help customers save money and improve their experience with Ford products,” said Alex Purdy, director of business operations, enterprise connectivity, Ford Motor Company. “Whether customers are purchasing through Ford Insure or working with another carrier, we are committed to giving them the ability to choose the right option for themselves – and to potentially earn big discounts based on how they drive.”

Owners of eligible Ford vehicles who select usage-based insurance policies and choose to share connected vehicle data about how they drive may qualify for discounts based on that data. Telematics data is shared with insurance carriers through Ford’s embedded modem – now standard on all new vehicles – and enables the carrier to use that information to analyze driving habits and offer potential savings.  

Thanks to these agreements, Ford can help insurance carriers use connected vehicle data – without the need for plug-in devices – to inform their usage-based insurance programs, improve their underwriting process, and pass along driver behavior discounts to those Ford vehicle owners who qualify. For Ford customers, this means that the way they drive can influence how their premiums are calculated. Details and availability of individual usage-based insurance programs from each carrier may vary.

Ford Insure and Lincoln Motor Company Insure

Connected vehicle data also enables the usage-based insurance products offered through Ford Credit’s insurance agency subsidiary, American Road Services Company. Launched in 2019 with the 2020 Ford Explorer and Lincoln Aviator, these products enhance the Ford and Lincoln customer experience with discounts of up to 40 percent based on driver behavior. Customers with eligible Ford and Lincoln vehicles² can obtain a quote, buy a policy, and bundle their policies through the FordPass or Lincoln Way app, or by visiting or

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1American Road Services Company LLC (a Ford affiliate) is the licensed insurance agency offering Ford Insure which is underwritten by Nationwide Mutual Insurance Company and affiliates. Home Office: Columbus, OH. Ford Motor Company and Ford Credit are not insurance companies or agents. Subject to underwriting guidelines, review and approval. Details and availability vary; program criteria differ in California. Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. The enrollment discount applies during data collection; the final discount is calculated according to driving behavior and could be zero. The final discount applies at the next policy renewal and is subject to change based on actuarial support at subsequent renewals or with changes in drivers or vehicles on the policy.


²Available on 2020 model-year Ford vehicles which are compatible with the embedded modem. Requires FordPass App and FordPass Connect Service. Not available on 2020 F-150, Fusion Plug-in Hybrid, GT and F-650/F-750.


About Ford Motor Company

Ford Motor Company is a global company based in Dearborn, Michigan. The company designs, manufactures, markets and services a full line of Ford cars, trucks, SUVs, electrified vehicles and Lincoln luxury vehicles, provides financial services through Ford Motor Credit Company and is pursuing leadership positions in electrification; mobility solutions, including self-driving services; and connected services.  Ford employs approximately 187,000 people worldwide. For more information regarding Ford, its products and Ford Motor Credit Company, please visit