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Pay-As-You-Drive Auto Insurance: Home

ODOT Library

The ODOT Library and ODOT History Center are part of the Oregon Department of Transportation Research Section, located at the Mill Creek Building, 555 13th St. NE, Salem, OR 97301.

The library collaborates with transportation information networks throughout the US and internationally.  LibGuides are sponsored through the Library Connectivity & Development Pooled Fund Study, and are being coordinated and shared through the Transportation Knowledge Networks.

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The Transportation Library Connectivity & Development Pooled Fund Study is a consortium of libraries in the DOTs and UTCs working cooperatively to enhance library services among its membership. We serve our members and the entire transportation information community with products and services we design and select for tangible, lasting benefits for librarians and researchers.

Pay-As-You-Drive (PAYD) Auto Insurance

PAYD and Usage-based insurance (UBI) policies are being offered by an increasing number of insurance providers.  Originally envisioned as a per-mile charge, most programs also consider other factors, and many monitor customers' driving habits as well as miles traveled.  There are also fixed costs, and traditional variables are considered as well, such as age, sex, marital status, driving record, credit  based insurance score, vehicle type/age/use/garaging location, claim history, liability limits, and physical damage deductibles.  Each company files their own rating program; the Oregon base program was originally outlined in legislation some 10 years ago.  One program, Integon Metro-Mile has a range of 0.0008 cents per mile to 0.228 cents per mile.  This company weighs driving about 60% of their tier plan, with other "fixed" characteristics making up approx. 40%.  (information furnished by Jan Vitus, Oregon Insurance Division).  In the report Distance-Based Vehicle Insurance; Technical Report, author Todd Litman suggested an average charge of 0.07 cents per mile, with a potential reduction in miles driven up to 10%. 




Guide Author

Laura Wilt

Librarian, Oregon Department of Transportation