BLUE OWL/HIROAD INSURANCE
Car insurance for mindful drivers -- behavior-based auto coverage that rewards safe driving with variable monthly pricing.
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