# Zendrive > Smartphone\-centric mobility risk intelligence for insurers, fleets, and mobility companies\. ## At a glance | Field | Value | | --- | --- | | Category | Telematics & Usage-Based Insurance | | Type | Solutions Provider | | Region | NA | | Headquarters | San Francisco, CA, USA | | Founded | 2013 | | Stage | Growth | | Employees | 51-200 | | Funding | Acquired | ## Overview Zendrive is a mobility risk intelligence company that leverages smartphone sensor data and artificial intelligence to analyze driving behavior at scale. Founded in 2013 and headquartered in San Francisco, Zendrive built the world's most accurate smartphone-centric telematics platform, analyzing over 200 billion miles of driving data from hundreds of millions of users globally. The company's Mobility Risk Intelligence (MRI) platform turns raw smartphone sensor data into actionable risk signals, enabling insurers, fleets, and mobility companies to better understand and mitigate driving risk. Risk models are reported to be 10x more predictive than traditional industry standards, with demonstrated reductions in collision risk of up to 49%. In July 2024, Intuit acquired Zendrive's technology and key team members to accelerate Credit Karma's usage-based auto insurance product, Karma Drive -- which had enrolled more than 6 million members and generated over 4 million discounted policy offers for Credit Karma members. ## Products & services ### Mobility Risk Intelligence \(MRI\) Platform Core platform trained on over 200 billion miles of driving data. Converts smartphone sensor signals into risk scores, behavioral insights, and predictive models. Uses patented AI and machine learning algorithms to detect behaviors including phone distraction, aggressive driving, speeding, hard braking, and stop sign violations. **Key features:** - Frequency and severity risk models 10x more predictive than industry standards - Real\-time behavioral scoring and driver feedback - API\-based integration for insurers and fleet operators *Target users:* Auto insurers, fleet operators, mobile app developers ### RiskReveal Award-winning suite of smartphone-based solutions for insurers covering underwriting, loss control, and claims processing. **Key features:** - Underwriting risk scoring using behavioral driving data - Loss control programs with driver feedback and coaching - Claims support with behavioral context *Target users:* Auto insurance carriers and MGAs ### Usage\-Based Insurance \(UBI\) Program Customizable UBI programs for insurers. Enrolls drivers through consumer apps and provides behavioral scoring and feedback. Demonstrated reduction in collision risk by up to 49%. **Key features:** - Consumer app enrollment via publisher network - Behavioral scoring for pricing and discounts - Access to hundreds of millions of users through partner applications *Target users:* Auto insurance carriers ### Automated FNOL / Collision Detection Smartphone-centric collision detection for automated First Notice of Loss (FNOL). Detected hundreds of thousands of real-world collisions across the platform. **Key features:** - Passive collision detection using smartphone sensors - Real\-time alerting for detected collisions - Integration with claims workflows *Target users:* Auto insurance carriers ### FullStop AI-powered mobile solution for detecting stop sign violations without dedicated hardware. **Key features:** - Stop sign violation detection using smartphone sensors - No OBD or dedicated device required - Behavioral data for risk scoring *Target users:* Auto insurers, fleet operators ### IQL for Publishers API-based solution for app publishers to integrate Zendrive's telematics functionality, enabling real-time driving insights and engagement. **Key features:** - REST API integration for mobile apps - Access to Zendrive risk scoring in third\-party apps - Publisher network for broad data collection *Target users:* Mobile app developers, fleet and mobility companies ## Category & focus - Subcategories: Mobility Risk Intelligence, Collision Detection, UBI Programs, Fleet Risk Management - Insurance verticals: P&C Personal, P&C Commercial - Target customers: Carriers, MGAs/MGUs, Consumers ## Notable customers - Credit Karma \(Karma Drive \-\- 6M\+ members, 4M\+ discounted policy offers\) - AXA XL - Grupo Sura - Juno ## Links - Website: - Directory profile: - Twitter: - Linkedin: - Intuit acquisition press release: --- *Last updated: 2026\-04\-09*