User-based auto insurance (UBI) platforms represent one of the more impactful coverage advances of the past decade. As most people working in the insurance industry are now well aware, these platforms enable insured drivers to rack up premium discounts in exchange for safely and responsibly navigating the roads. Particularly as the economy fluctuates and household budgets tighten, UBI auto insurance has quickly gained popularity. The value of the global UBI insurance market is expected to grow to between $190 billion and $300 billion by 2026, according to the driving-data business IMS. However, some UBI products are more alluring to consumers than others, according to Bankrate.com. The appeal of telematics-driven insurance products often hinges on such factors as their availability in a given location and how much individuals can save by using the programs, which are most often administered through an app on each driver's phone that tracks driving speeds, braking, driving times and more. The slideshow above illustrates the top UBI auto insurance programs available today, according to Bankrate.com. See also: |

• More insureds turning to UBI to counter rising auto premiums
• Customers are unbundling in favor of usage-based auto programs
• How UBI could save the auto insurance customer experience