Dash cams and telematics are critical building blocks for fleet safety — but real impact happens when safety becomes a companywide commitment. That means going beyond the hardware. Safety has to be part of daily operations — supported by leadership, embraced by drivers, and reinforced by your insurance partners.
Motive makes that easier.
With more than 40 insurance partnerships, our program helps fleets turn safety into a business advantage — unlocking risk management insights and cost savings.
Driving safety and savings
At Motive, we partner with leading insurance providers to secure premium discounts and hardware subsidies for our customers. When customers agree to share dash cam and telematics data with their insurance providers, they can receive premium discounts of up to 22%, or an average subsidy of $240 per vehicle annually, depending on the partner and program eligibility.
The savings add up fast. For example, the average cost of insuring a single independent truck driver is $10,000 annually. If fleets enrolled in one of Motive’s insurance partnership programs receiving a premium discount of 15%, they could save $1,500 per year.
A network of trusted partners
Motive is constantly working to grow our network and increase savings opportunities for our customers. We work with carriers like Progressive, Sentry, and Northland Insurance to equip commercial fleets with AI-powered safety solutions that help reduce distracted driving and prevent accidents.
Distracted driving is just one of many challenges fleet owners face on the road. At Progressive, we focus on rewarding safe driving behaviors. Dashcams play a vital role by identifying risky driving in real time and recognizing safe drivers, leading to lower premiums. This approach enhances road safety and positively impacts a fleet’s bottom line by reducing costs associated with accidents and claims.
Alongside insurance carriers, we also partner with leading insurance captives such as Innovative Captive Strategies to help fleets improve safety, reduce loss ratios, and increase dividends.
Commercial auto claims have risen sharply over the last decade, increasing in both severity and frequency. All of this weighs heavily on fleets’ profitability. Motive’s AI Dashcams gather the data insurers need to better calculate their risk, and help their drivers prevent accidents in real time.
By sharing AI Dashcam video and telematics data with their insurance captive, fleets can demonstrate measurable safety gains — often resulting in lower premiums and higher returns. Motive’s automated driver coaching also helps cut down on risky behaviors, potentially reducing collisions and protecting the captive’s shared risk pool.
Smarter insights and reduced costs
Your fleet operation is unique, and it shouldn’t be covered by a one-size-fits-all insurance policy. Sharing your telematics with a provider in Motive’s insurance partner network enables the provider’s loss control experts to create custom risk management programs tailored to your fleet’s unique operations. These customized programs are designed to maximize your cost savings.
In addition to our discount and subsidy programs, our insurance partnerships can help protect against premium increases with high-definition (HD) video footage that can exonerate drivers in fraudulent and not-at-fault claims. In fact, dual-facing dash cams exonerate drivers in over 50% of insurance claims, according to the American Transportation Research Institute. Motive’s insurance partnerships help streamline the process for sharing video evidence and automated collision reports, resulting in faster claims processing and increased exoneration rates.
Take advantage of our insurance partnership benefits
Talk to your Motive representative to see if your insurance provider is a Motive partner, and if so, which benefits are available to you. We can help ensure your eligibility for our partner benefits by informing you of hardware and data-sharing requirements. We can also show you how to activate your benefits.
To learn more about Motive’s insurance partnership program and how to participate, visit our Insurance Partnership page. For current Motive customers, check out our App Marketplace to see if your insurance provider is a participating Motive Partner and learn how to activate your benefits.
