Novo Car Insurance Based on Driving Behavior Launches in Arizona

Novo Insurance is launching in Arizona with month-to-month pricing tied to driving behavior.

Novo uses a “Safety Score” based on how each vehicle is driven.

Novo offers an “instant quote,” in which drivers get an upfront safe-driver program enrollment discount. The company also offers a drive then quote model in which drivers use the Novo app to earn a discount based on how a car is driven.

Vehicle safety scores are revealed after drivers complete five trips and drive 200 miles, or five trips and 50 miles after two weeks, whichever comes first.

Novo’s safety scoring is based on three driving habits: hard braking, speeding and rapid acceleration. The app provides feedback and actionable insights on how drivers can improve.

All drivers listed on the policy are required to install the Novo app. The app uses Bluetooth to detect which car is being driven, so each vehicle’s safety score reflects how it’s driven by the household’s drivers.