Drivers in Maryland could see their auto insurance premiums fluctuate depending on how they drive—especially if they’re enrolled in a telematics program. A new report released by the Maryland Insurance Administration details the growing use of telematics, which collects data on driver behavior to adjust rates, revealing that nearly a third of drivers saw premium reductions while almost a quarter saw increases.
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Telematics is a way for car insurance companies to track how safely you drive by using technology. This can involve a small device installed in your car or an app on your phone that records things like your speed, how hard you brake, how far you drive, and when you drive. Insurance companies use this information to decide whether to raise or lower your insurance premium. If you drive safely, you might pay less—but if the data shows risky driving, your rates could go up.
The report was based on a December 2024 survey sent to 18 major insurers that together represented about 90% of the state’s auto insurance market. Of those, 16 currently offer a telematics program. The analysis shows a 45% increase in telematics enrollment between 2021 and 2023. In 2023 alone, 31.2% of participating policyholders received a discount, 23.6% faced higher premiums, and the remainder saw no change. For Maryland residents, this means that signing up for telematics could save money—but it could also result in rate hikes depending on driving habits.
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The Insurance Administration emphasized that these programs require active engagement from policyholders to ensure the data collected is accurate. Because privacy disclosures differ across insurers and there is currently no standard for how notices must be presented, consumers are urged to carefully read the terms before enrolling. Concerns have been raised over data accuracy and potential sharing of information with third parties, making it crucial for drivers to understand what information is being collected and how it may be used.
The Insurance Administration plans to use the survey results to guide regulatory decisions and future legislative proposals. A public advisory is also available to help drivers better understand telematics programs and their privacy implications.
The full report is available in our Public Information Archive.
Article by multiple contributors, based upon information from the Maryland Insurance Administration press release.
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