Every time you drive, there is a possibility that information about your vehicle or driving habits is being collected. While many people assume this data remains only inside their car or with their insurance company, a growing network of data brokers and analytics firms gathers, processes, and shares driving-related information across the United States.
Depending on the source, this data may include mileage, hard braking, rapid acceleration, speeding events, crash detection, vehicle identification information, maintenance history, insurance claims, and other telematics data.
Much of this information is collected through connected vehicles, smartphone applications, insurance telematics programs, fleet management systems, repair facilities, or vehicle history databases.
Companies use the data to develop risk scores, vehicle history reports, fraud prevention tools, marketing products, traffic analytics, and insurance underwriting services.
In many cases, the information is shared or licensed to insurers, automakers, financial institutions, fleet operators, government agencies, and commercial customers under contractual agreements.
This article focuses on major companies operating in the United States that are publicly documented as collecting, aggregating, licensing, or sharing driving-related data. It does not suggest that these companies illegally obtain official DMV driving records.
Instead, it highlights how driving information moves through today’s automotive data ecosystem and how businesses use that information for commercial purposes. Understanding who collects this data can help consumers make more informed decisions about privacy, connected vehicle services, and telematics programs.
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1. LexisNexis Risk Solutions
When discussing driving data in the United States, LexisNexis Risk Solutions is one of the most influential companies in the industry.
Although many consumers recognize the LexisNexis name from legal research, its Risk Solutions division operates extensive data services used by insurance companies, financial institutions, government agencies, and commercial organizations.
One of its best-known automotive products is the collection and analysis of driving-related information used to support insurance underwriting, claims investigations, fraud prevention, and risk assessment.
The company aggregates information from numerous legally authorized sources. Depending on the product and applicable laws, this may include insurance claims history, accident reports, vehicle ownership records, public records, telematics data provided through participating programs, and other driving-related datasets.
LexisNexis then develops reports and analytical products that insurers use when evaluating policy applications or processing claims.
The company has received increased public attention following reports that connected vehicle data from certain automaker telematics programs was shared with data providers, including LexisNexis, for insurance-related purposes.
These reports prompted consumer privacy discussions and led several automakers to review or suspend portions of their data-sharing practices.
LexisNexis states that it follows applicable federal and state privacy laws and provides consumer disclosure and dispute processes where required. Individuals may request copies of certain consumer reports and challenge inaccurate information under applicable regulations.
Because its products influence underwriting decisions across much of the American insurance industry, LexisNexis remains one of the most significant organizations handling driving-related information.
Its role illustrates how telematics, insurance records, and publicly available information can be combined into sophisticated risk assessment tools used throughout the automotive marketplace.
2. Verisk
Verisk is another major American data analytics company whose services play an important role in the automotive insurance industry.
Rather than focusing on individual consumer products, Verisk develops large-scale analytical tools that help insurers evaluate risk, investigate claims, detect fraud, and improve underwriting decisions. Driving-related information forms an important part of many of these services.
The company works with insurance carriers that voluntarily contribute claims data and other relevant information to industry databases. By analyzing millions of insurance records, Verisk can identify claim patterns, estimate repair costs, detect suspicious activity, and assist insurers in making more informed underwriting decisions.
Some of its automotive products also incorporate vehicle history, repair information, and other transportation-related datasets.
Unlike companies that primarily operate smartphone telematics applications, Verisk functions as a large business-to-business analytics provider.
Most consumers never interact directly with the company, yet its analytical products may influence insurance pricing, claim investigations, or fraud detection processes through participating insurance companies.
Verisk emphasizes that its data services are designed to improve efficiency and reduce insurance fraud while supporting more accurate underwriting decisions.
The company also operates under federal and state privacy requirements governing the handling of consumer information and provides procedures for consumers seeking access to certain information where applicable.
As connected vehicles continue generating larger amounts of driving data, companies like Verisk remain central to the insurance industry’s analytical infrastructure.
By combining claims information, vehicle-related data, and advanced statistical modeling, Verisk helps insurers better understand driving risk while illustrating how automotive data has become an increasingly valuable commercial asset in the United States.
3. Arity
Arity is one of the best-known companies specializing in driving behavior analytics in the United States. Founded by Allstate, the company focuses on collecting and analyzing telematics data generated through connected vehicles, mobile applications, and insurance programs.
Unlike traditional data brokers that primarily rely on public records, Arity concentrates on how people actually drive. Its technology evaluates behaviors such as acceleration, braking, cornering, speed, distracted driving, mileage, and time of day to produce insights that can be used by insurers, automakers, mobility companies, and fleet operators.
Much of Arity’s data comes from users who have agreed to participate in telematics programs or who have granted location and motion permissions through compatible mobile applications.
The company uses smartphone sensors, connected vehicle technology, and other authorized data sources to measure driving patterns. These analytics can help insurers develop usage-based insurance programs, assist fleet managers in improving driver safety, and support transportation research.
Arity states that it does not sell personal information in the traditional sense for unrestricted public access. Instead, it licenses data products and analytical services to commercial customers under contractual agreements.
The company also publishes privacy disclosures explaining how data is collected, used, and shared within its business operations.
Public attention increased after investigations into connected vehicle privacy highlighted how driving behavior data can move between automakers, insurers, and analytics providers. Those discussions encouraged many consumers to review the privacy settings available in their vehicles and smartphone applications.
Arity illustrates how modern driving information extends far beyond accident reports or vehicle registrations. Driving behavior itself has become a valuable source of commercial analytics, helping organizations better understand risk, improve road safety, and develop insurance products tailored to individual driving habits.
4. Cambridge Mobile Telematics
Cambridge Mobile Telematics, commonly known as CMT, has become one of the largest providers of smartphone-based telematics technology in the United States.
Rather than maintaining a public consumer database, the company develops software platforms that allow insurers, automakers, and mobility providers to measure real-world driving behavior through mobile devices and connected vehicles.
The company’s technology uses smartphone sensors and, in some cases, connected vehicle systems to detect events such as hard braking, rapid acceleration, speeding, cornering, phone distraction, crash impacts, trip duration, and mileage.
These measurements are processed into driving scores and safety analytics that participating organizations can use to support usage-based insurance programs and driver coaching initiatives.
Many drivers interact with Cambridge Mobile Telematics without realizing it because the technology often operates behind insurance company mobile applications.
When customers voluntarily enroll in a usage-based insurance program and agree to data collection, the underlying telematics platform may be provided by CMT. The resulting information helps insurers evaluate driving habits and determine eligibility for discounts or other program features.
The company emphasizes that it works under contractual agreements with its business partners and maintains privacy policies governing the handling of collected information. Consumers generally provide consent through participating in insurance or mobility applications before driving data is collected.
As connected transportation continues expanding, Cambridge Mobile Telematics has become an important part of the American automotive data ecosystem.
Its software demonstrates how smartphones can function as sophisticated driving monitors, transforming everyday trips into detailed datasets that support insurance analytics, crash detection, road safety research, and mobility services.
5. CARFAX
Most drivers recognize CARFAX for its vehicle history reports, but the company also plays a significant role in collecting and sharing automotive data throughout the United States.
Rather than focusing on individual driving behavior like telematics providers, CARFAX compiles information about a vehicle’s history from thousands of participating sources.
This information helps buyers, dealerships, lenders, service providers, and insurers better understand a vehicle’s past before making important decisions.
CARFAX receives data from a wide network that includes participating state agencies where permitted by law, repair facilities, dealerships, inspection stations, vehicle service centers, fleet operators, insurance companies, and other commercial partners.
The reports may contain information such as title history, reported accidents, odometer readings, maintenance records, registration events, emissions inspections, recalls, and ownership history. The company continuously updates these records as new information becomes available from participating sources.
Unlike a consumer credit report, a CARFAX Vehicle History Report follows the vehicle rather than the owner. Even after ownership changes, much of the recorded maintenance and accident information remains associated with the vehicle identification number.
That makes the reports valuable to used vehicle buyers who want greater transparency before completing a purchase.
CARFAX licenses these reports to dealerships, online vehicle marketplaces, financial institutions, and individual consumers. The company states that it follows applicable privacy laws while obtaining information through authorized data providers.
Although CARFAX is not primarily a telematics company, it remains one of the largest organizations collecting and distributing automotive information in the United States.
Its extensive vehicle history database has become an important resource for evaluating used vehicles and reducing uncertainty in the automotive marketplace.
6. Experian Automotive
Experian Automotive is widely known for providing vehicle-related data and analytics to lenders, dealerships, manufacturers, insurers, and other businesses across the United States.
While many consumers associate Experian with credit reporting, its automotive division maintains extensive databases containing vehicle ownership information, registration trends, market analytics, financing activity, and other transportation-related datasets that support numerous commercial services.
The company combines information from multiple authorized sources to produce analytical products used throughout the automotive industry. These services help lenders evaluate vehicle financing, assist manufacturers with market research, support dealership inventory planning, and provide insights into ownership trends.
Certain products also contribute to insurance analytics and fraud prevention by helping businesses verify vehicle information and ownership records where legally permitted.
Experian Automotive does not operate as a public repository where anyone can obtain personal driving records. Instead, it develops specialized business intelligence products that are licensed to commercial customers under contractual agreements.
The company states that it follows applicable federal and state privacy requirements governing consumer information and provides disclosure processes where required by law.
One reason Experian Automotive has become influential is the scale of its automotive database. Millions of vehicle transactions, registrations, financing records, and ownership changes contribute to market reports that are frequently referenced throughout the industry.
These analytics help businesses identify purchasing trends, forecast demand, evaluate vehicle values, and better understand the American automotive market.
Although consumers may rarely interact directly with Experian Automotive, its data services support many behind-the-scenes decisions involving vehicle financing, insurance, dealership operations, and market analysis.
Its role demonstrates how automotive information has become an increasingly valuable business asset beyond traditional vehicle ownership records.
7. TransUnion
TransUnion is best known as one of the three major consumer credit reporting agencies in the United States, but it also operates a substantial automotive data and analytics business.
Through its automotive division, the company develops information products that help lenders, insurers, dealerships, manufacturers, and fleet operators make better-informed decisions regarding vehicle ownership, financing, fraud prevention, and risk management.
Instead of collecting driving behavior directly through smartphone telematics, TransUnion aggregates information from authorized commercial and public sources to create analytical products used throughout the automotive industry.
Depending on the service, these datasets may include vehicle registration information, title records, financing activity, ownership history, insurance-related information, and market intelligence.
The resulting reports help businesses verify vehicle details, evaluate lending risks, detect fraud, and analyze trends across the American automotive market.
Another important part of TransUnion’s automotive business involves identity verification and fraud prevention.
As vehicle purchases increasingly occur through digital channels, dealerships and lenders rely on sophisticated data analytics to confirm customer identities and reduce fraudulent transactions. TransUnion’s technology supports many of these processes behind the scenes.
The company states that it complies with applicable federal and state privacy laws governing consumer information and offers procedures allowing eligible consumers to review certain information maintained under applicable legal requirements.
Much of its work occurs business-to-business, meaning consumers often benefit from its services without directly interacting with the company.
TransUnion demonstrates how automotive data extends well beyond simple vehicle ownership records. By combining multiple authorized data sources into commercial analytics, the company supports lending, insurance, fraud detection, and market intelligence across a significant portion of the U.S. automotive industry.
8. Otonomo
Otonomo represents a newer generation of automotive data companies built around connected vehicle technology.
Rather than relying primarily on public records or insurance claims, the company developed a platform designed to receive authorized data from connected vehicles and make that information available to commercial customers through secure data services.
Its business model reflects how modern vehicles have become important sources of digital information.
Connected vehicles generate a wide variety of data during everyday operation. Depending on manufacturer agreements and customer permissions, this information may include mileage, vehicle location, fuel level or battery status, maintenance alerts, diagnostic information, trip history, and certain driving events.
Otonomo’s platform organizes this information into standardized datasets that businesses can use for services such as fleet management, predictive maintenance, traffic analysis, insurance innovation, roadside assistance, and mobility applications.
The company has emphasized that customer privacy, contractual agreements, and applicable regulations govern how information is processed and shared.
Data made available through the platform depends on the permissions established by participating automakers and service providers, and not every connected vehicle contributes the same categories of information.
As connected cars become increasingly common throughout the United States, platforms like Otonomo illustrate how automotive data has evolved into a valuable commercial resource extending far beyond traditional vehicle ownership records.
Businesses can use these insights to improve transportation services, enhance maintenance planning, develop new insurance products, and support smart mobility initiatives.
Otonomo’s role highlights the continuing transformation of the automotive industry from purely mechanical transportation toward a data-driven ecosystem where connected vehicle information has become an important part of modern business operations.
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