What Is Xemplar Auto?
Xemplar Auto is a smartphone-based telematics platform used by personal auto insurers to record driving behavior. It tracks driving behavior using a smartphone, without separate hardware, through features like automatic trip detection and scoring. The same insurer-branded app also lets policyholders file claims, make premium payments, and view policy information, which keeps these tasks out of the call center. Safety challenges and rewards within the app are used to encourage safer driving among policyholders.
What Is Xemplar Auto Best For?
Xemplar Auto is best known for its Insurer Risk Analytics Portal for personal auto insurers. It turns smartphone telematics data into detailed risk exposure reports and driver behavior breakdowns. From there, insurers can see who is driving riskily, what behaviors are involved, and when those risks happen most. The software is a good fit for insurers moving from traditional underwriting to usage-based pricing, or those replacing fragmented telematics and reporting tools.
How Much Does Xemplar Auto Cost?
Xemplar Auto pricing is estimated to fall between $10,000 and $80,000/month, based on industry benchmarks for comparable enterprise insurance telematics platforms. This range gives a general sense of budget scale. What a specific organization pays will depend on factors like the number of active policyholders or drivers, which modules are included, how complex the deployment is, and what integration or customization work is needed.
In addition to the base subscription costs, organizations should account for the following expenses:
- Implementation: Usually priced between $25,000–$150,000 (one-time), covering system setup, deployment planning, configuration of insurer workflows, and support during platform launch
- Data Migration: Commonly priced in the range of $10,000–$75,000 (one-time), depending on the amount of policyholder, driver, and historical telematics data being moved into the system and how complex the migration process is
- Training And Onboarding: Typically falls around $5,000–$40,000 (one-time), covering training sessions for administrators and insurer teams along with onboarding support for day-to-day system use
- Integrations: Often comes in between $20,000–$200,000 (one-time), depending on how many external systems are connected and the level of work required to link policy, claims, payment, and insurer APIs
- Customization And Configuration: Usually priced between $15,000–$100,000 (one-time), covering white-label app setup, branding changes, workflow configuration, and adjustments to business rules
- Premium Support: Typically ranges from $2,000–$25,000/month, covering ongoing support services, system monitoring, and faster response handling when issues arise
Disclaimer: Pricing references are based on publicly available third-party information and industry benchmarks. Actual costs may vary.
Xemplar Auto Integrations
The vendor has not provided details about third-party integrations for this software.
How Does Xemplar Auto Work?
Log in to your Xemplar Auto software account through the mobile app or insurer portal to access driving data and follow the given steps to use its features:
- Enable smartphone-based tracking to record trips, routes, and driving events such as acceleration and braking using built-in phone sensors during each journey
- Review trip history to view recorded routes, driving activity, and event-level details collected across completed trips
- Access driving reports to see charts and summaries that organize driving behavior data for insurer risk review and assessment
- Manage policyholder services by viewing policy information, downloading ID cards, and making premium payments within the mobile app interface
- Submit insurance claims by uploading supporting images, video, and audio directly through the app for case documentation
- Participate in safety programs by viewing driving challenges, rewards, and feedback based on recorded trip behavior
Who Is Xemplar Auto For?
Xemplar Auto is used by a wide range of insurance organizations and internal teams, including:
- Personal auto insurers
- Usage-based insurance teams
- Risk management teams
- Customer experience teams
- Insurance product teams
Xemplar Auto Use Cases
Based on our analysis of Xemplar Auto’s current capabilities, we have identified key scenarios where this software is a good fit for personal auto insurers:
Insurers Launching Or Scaling Usage-Based Insurance Programs
Launching or scaling a usage-based insurance program can run into hurdles tied to hardware-based telematics, especially as a pilot expands to a larger group of policyholders. Shipping devices, installing them, and keeping them maintained gets harder as the program grows. Xemplar Auto may be worth considering for teams in this position, especially when they need driver monitoring data from more policyholders without coordinating physical device deployment.
Underwriting And Risk Teams Working To Reduce Loss Ratios
Reducing loss ratios depends on knowing which driving behaviors, routes, or driver segments are contributing most to claims, information that traditional rating factors capture only indirectly. Underwriting and actuarial teams in this position may find Xemplar Auto's trip scoring and exposure reporting useful for informing pricing and loss-reduction decisions.
Claims Teams Managing Remote First Notice Of Loss
Insurers that handle a high volume of incident reports can face delays and incomplete information when claims depend on phone calls or paperwork filed after the fact. This is especially true for policyholders far from a branch or call center. For claims departments in this position, Xemplar Auto could be a practical option, since policyholders need to submit photos, video, and audio directly through the app at the time of an incident.
Insurers Serving Households With Teen Or New Drivers
Insurers writing family or multi-driver policies that include a teen or newly licensed driver typically have limited insight into that driver's habits. Instead, they rely mainly on broader household risk factors rather than individual behavior. Xemplar Auto could be relevant for insurers and agents in this position who need shared driving scores and additional tracking, such as geo-fencing, for younger or newer drivers on a policy.
Insurers Running Driver Safety Incentive Programs
Insurers that want to influence driving behavior over time, not just score it after trips are complete, can have trouble keeping policyholders engaged with a telematics program between renewals. Insurers and marketing teams in this position may find Xemplar Auto a useful tool, since they need safety challenges and rewards to give policyholders an ongoing reason to interact with the app.
Is Xemplar Auto Right For You?
If you are a personal auto insurer looking to build or expand a usage-based insurance program, Xemplar Auto could be a strong fit. Its Insurer Risk Analytics Portal includes over 40 charts, graphs, and reports that give risk and underwriting teams detailed visibility into policyholder driving data. The platform runs on AWS cloud infrastructure, supporting high availability and consistent uptime, making it suitable for insurers managing telematics-based programs at scale.
Still unsure about Xemplar Auto? Connect with us at (661) 384-7070 for further guidance.
