BLUE OWL/HIROAD INSURANCE

Car insurance for mindful drivers -- behavior-based auto coverage that rewards safe driving with variable monthly pricing.

Specialty Solutions

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Overview

HiRoad Assurance Company is a full-stack, behavior-based auto and renters insurer built by Quanata (formerly BlueOwl), a State Farm company headquartered in San Francisco. Launched in Rhode Island in 2017, HiRoad was designed from the ground up as a smartphone-first, usage-based carrier targeting mindful, safety-conscious drivers.

Unlike traditional carriers that rely on demographic rating factors, HiRoad prices policies based on actual driving behavior captured via its mobile app. Monthly premiums fluctuate with driving performance, rewarding safe behavior and penalizing risky habits. The company moved from concept to fully operational in under 18 months using Quanata's cloud-native insurance technology platform.

HiRoad operates as an independently run subsidiary in the State Farm family of companies and currently serves customers in Arizona and Rhode Island, with a measured expansion strategy focused on refining the model before broader rollout.

At a Glance

Founded: 2017
Headquarters: Providence, Rhode Island
Employees: 11-50

Category & Focus

Category: Specialty Solutions
Insurance Verticals: P&C Personal
Target Customers: Consumers

Customers

Young drivers and first-time insurance buyers
Drivers traditionally classified as high-risk by demographic factors who drive safely in practice
Low-mileage drivers seeking to pay for what they actually use
Tech-savvy consumers comfortable managing insurance via smartphone

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Last updated: 2026-05-11