At MOTER, we’re leading the charge into a new era of Insurtech, where insurance isn’t based on traditional factors like age or ZIP code, but instead truly reflects how people drive. Our mission is to fundamentally change the way driver risk is measured, priced, and improved. We believe insurance should be dynamic, personalized, and above all, proactive and designed to make roads safer, not just respond after the fact. That’s why we developed MOTER Scores, a comprehensive suite of risk analytics that brings next-generation driver assessment to fleets, insurance, and mobility providers.
Why Do Insurers Need Risk Assessment Scores?
At its core, insurance is the business of transferring risk. The insured pays a premium to the insurer in exchange for coverage in the event of an accident or loss. Insurers pool premiums from many insured parties and use that pool to fund claims. To make this system work fairly and sustainably, insurers must accurately measure risk to ensure that premiums reflect each driver’s likelihood of a claim.
To achieve this, insurers use risk models that predict the frequency and severity of future collisions. These predictions are often transformed into risk scores, which help both insurers and insured parties understand how risk is being assessed. A risk score should segment high-risk behaviors from low-risk behaviors with clarity, and it must focus on variables drivers can actually manage, rather than predetermined factors. In doing so, it builds fairness into the system and supports improved safety outcomes for all. We developed MOTER Scores to do just that.
What Are MOTER Scores?
Our scoring system has two major dimensions. The first is the Insurance Premium Score for schedule rating, crafted to support dynamic insurance pricing and underwriting. This score is calculated monthly for each driver by analyzing their accumulated risk patterns over time. These individual scores then roll up to create an overall fleet premium score. It’s a direct way to connect insurance costs to how safely a fleet is being operated, empowering companies to proactively manage risk and build a safety-focused culture that’s financially rewarded.
The second dimension consists of the Driver Coaching Scores, designed with drivers and fleet safety culture in mind. They include trip-level and insulated risk factor assessments, offering a holistic view of how safely a trip is conducted, while also targeting risk factors that highlight opportunities for improvement.
Both of our scoring systems go beyond traditional telematics models. As vehicles become increasingly equipped with AI-enabled dashcams and Advanced Driver Assistance Systems (ADAS), the landscape of what’s measurable has fundamentally changed. Risk models no longer must solely rely on mechanical metrics like counting hard brakes but can also include factors such as distraction and traffic violations. By tapping into these new capabilities, MOTER creates a more complete and nuanced view of driver behavior. Drivers who earn a consistently low MOTER Score are 3.5 times more likely to be involved in a collision than those who consistently score well, verifying that we accurately distinguish between safe and risky driving behavior. At all levels, we quantify risk in a way that aligns with the true likelihood of collisions.
Why Does Effective Driver Feedback Matter?
At their core, the Driver Coaching Scores are not about pointing out mistakes, but about providing meaningful feedback that helps drivers make better decisions. We know that event-based alerts every single time something happens, like a hard brake or sudden turn, can be more distracting than helpful. Too many alerts risk being tuned out altogether. Unlike traditional high-frequency event-based systems, MOTER’s coaching relies on AI-driven models that predict collision likelihood based on meaningful patterns over time, not just isolated incidents. This also allows us to recognize when drivers improve, rewarding positive adaptation. Our multi-tiered approach gives fleets the tools to engage in micro-focused, time-sensitive coaching, offering drivers meaningful insights for their personal journey toward safer driving. Whether for seasoned commercial operators or new drivers, MOTER’s models help build awareness, instill good habits, and reduce the likelihood of collisions. This kind of coaching is essential to building a safer driving ecosystem.
How Were the MOTER Scores Validated?
What truly sets MOTER apart is the scale and depth of our data. Our models have been trained and validated on more than four billion miles of real-world driving data, drawn from tens of thousands of vehicles and drivers over multiple years. This immense dataset captures seasonal shifts, long-term behavioral patterns, and operational realities that short-term studies can’t touch.
This commitment to integrity has paid off in regulatory trust. MOTER’s rigorously validated models are already approved in 31 states and counting, giving insurers and fleets the compliance-ready assurance they need to integrate these scores into underwriting and pricing. What’s more, we recognize that risk isn’t uniform across all vehicles, so we built models tailored to specific vehicle classes. This specialization ensures that a semi-truck isn’t judged by the same metrics as a passenger sedan, resulting in assessments that truly reflect the unique driving profiles of each fleet.
Why Do Fleets Love MOTER Scores?
For fleet operators, MOTER Scores open up a world of insights. They enable real-time coaching and gamification strategies, helping managers motivate safer driving. By directly tying these scores to insurance pricing through our filed models, fleets also gain a powerful tool for reducing premiums. Beyond insurance, they unlock operational benefits, from optimizing routes to maintaining safety compliance. Our article in NEMT Today, AI in Insurance: Transforming Risk Management and Claims Handling, shares more information on how we leverage vehicle data to enhance safety in a real-world setting. Since our NEMT program’s inception two years ago, we have increased our total number of active policies by an average of approximately 20% each month, and our vehicle coverage by over 30% each month, proving that fleets find value in our risk management system.
🔗 Get in Touch
Whether you’re managing a fleet and looking to reduce losses, or an insurer eager to launch a truly next-generation usage-based insurance program, MOTER Scores offer the solid foundation you need. Together, we can build safer roads, smarter insurance, and a more human-centered driving culture. Visit us at www.moter.ai and discover how MOTER Scores can power your insurance and risk management strategies.
