Telematics programs track your driving via app or plug-in device and offer discounts (or surcharges) based on the data.
Who benefits
- Low-mileage drivers (under 8,000/year)
- Drivers who avoid late-night driving
- Drivers who don't hard-brake or speed
Who should avoid
- Long commuters on I-10
- Frequent late-night rideshare drivers
- Drivers with aggressive habits
Pay-per-mile specifically
Metromile and similar charge a small base rate plus per-mile cost. Best for drivers under 6,000 miles/year.
Frequently asked questions
Will telematics raise my rate?
It can — most programs disclose this. Read the terms before enrolling.
How much can I save?
Typically 5–30% depending on driving habits.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.