AI and Telematics Shaping Car Insurance Premiums in India
Posted on 2026-01-21 08:54:27
Traditional insurance premiums didn’t incentivise responsible drivers as much as they should. Fortunately, it is changing because of AI and telematics. Several leading Indian insurers, such as Shriram General Insurance, are now using AI and telematics to provide personalised, risk-based premium pricing. It means premiums will be determined based on your driving behaviour, vehicle data, and other relevant details. Insurers collect these details using telematics, and then use advanced AI algorithms to analyse them. Based on the analysis, AI creates an individualised risk profile, which helps insurers decide optimal premiums. If you’re new to this AI car insurance concept, you should read the full blog. We’ve covered everything you should know to develop a decent understanding.











