Fleets switching to Geico and Motive can save 10% on insurance premiums

For years, many fleets have tried to mitigate collisions with onboard technology, such as dash cams, to see what actually happens on the road, monitoring telematics data on risky behavior such as following too close and harsh accelerating and braking, and in-cab coaching when the safety tools detect unsafe, distracted, and fatigued driving.

“Insurance expenses remain one of the biggest pressures in commercial auto, and that challenge has only intensified over the past two decades as severity and nuclear verdicts continue to rise,” Ian White, Motive’s head of partnerships, told Fleet Maintenance. “Organizations are rightfully concerned about the risks they face. Reducing collision frequency starts with dashcams powered by industry-leading, accurate AI. When paired with robust coaching and real-time driver feedback, Motive’s platform can be the difference between running a safe operation and one that’s one incident away from disaster.”

That helps hedge against a punitive nuclear verdict, which are on the rise but still rare overall, but that proactive due diligence does little to lower premiums. A partnership between Geico and Motive may change all that. Through its DriveEasy Pro telematics program, Geico policy holders who install Motive’s Driver Safety and Fleet Management products, such as its AI Dash Cam, and share the telematics data with the insurer can reduce insurance premiums by up to 10%.

“By directly connecting Motive’s AI-powered safety technology to Geico’s guaranteed premium savings, we’re turning safety from a compliance checkbox into a significant financial advantage,” White said.

He added that aside from rate cuts from the partnership, safety technology such as Motive’s “can detect unsafe behavior in real-time, prevent collisions before they happen, and exonerate drivers with undeniable video evidence when incidents occur.

“The results are fewer collisions, faster claims resolution, more exonerations, and directly lower costs,” he continued.

New Geico policyholders in certain U.S. states can enroll now. A nationwide rollout will continue through 2026, with the program opening up to exisiting policy holders as well.

“As we expand our commercial trucking insurance offerings nationwide, partnerships like this with Motive are essential to delivering the comprehensive protection and value that trucking professionals deserve,” said Rishi Arora, head of commercial product and pricing at Geico. “Incentivizing Geico policyholders to install Motive’s safety and fleet management technologies underscores our shared mission for improving road safety.”

Geico, wanting to break into the commercial side, also has a similar program with Daimler Truck Financial Services called Connected Insurance, where small fleets and owner-operators running Freightliner and Western Star trucks can link their Detroit Assurance connected suite to the DriveEasy Pro program.

And if an accident does happen, Geico said they are set up to make the process faster to improve uptime.

“We understand time is money in trucking, which is why we've also built a specialized claims infrastructure with industry experts to get our customers back on the road quickly,” a Geico spokesperson told Fleet Maintenance.