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ADEPT DRIVER

The Science of Driving -- science-based driver training programs that reduce auto collisions and insurance loss costs.

Data & Analytics Established Bootstrapped
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Overview

ADEPT Driver (ADEPT, Inc.) is a behavioral science-based driver safety company founded in 1995 and headquartered in Elk Grove, California. The company develops and delivers crash-reduction training programs for drivers across all age groups, grounded in over 25 years of cutting-edge research in driving behavior, neurocognition, and epidemiology. ADEPT Driver is internationally recognized as a leader in driver behavior modification (bMOD), combining behavioral science with digital training delivery to help insurers reduce loss costs and improve portfolio performance.

ADEPT Driver's programs are approved for insurance premium discounts by Departments of Insurance in 49 U.S. states plus the District of Columbia. More than 500,000 drivers have completed ADEPT programs, and the company partners with approximately one-third of the top 25 largest U.S. auto insurance carriers. Through its Psychometric-Based Insurance (PBI) platform, ADEPT Driver integrates neurocognitive driver assessments with UBI/telematics data to provide enhanced risk scoring capabilities for insurers.

The company exhibited at ITC Vegas 2024, highlighting its integration with telematics and usage-based insurance (UBI) workflows as it continues to evolve from a training provider into a predictive analytics platform for auto insurance.

Products & Services

teenSMART

Science-based crash reduction program for teenage drivers. Proven to reduce crash frequency by 28--49% and bodily injury claims by up to 51%. Approved for insurance premium discounts by Departments of Insurance in 49 states plus DC.

Key Features

  • Neurocognitive training targeting crash-causing behaviors
  • Online delivery with progress tracking
  • Actuarially validated outcomes reviewed by insurance carriers for 25+ years
  • Discount eligibility certificate upon completion

Target Users: Teen drivers and their families; auto insurance carriers offering discount programs

Advanced Driver

Science-based crash avoidance training for drivers aged 20--60, helping them refresh skills and reduce collision risk.

Key Features

  • Evidence-based video and interactive training modules
  • Addresses visual cognition, hazard detection, speed/space management, and distracted driving
  • Insurance discount eligibility available

Target Users: Adult drivers; carriers seeking to reduce mid-tier driver risk

Lifelong Driver

Crash avoidance program designed for drivers over age 60 to extend safe driving years and maintain independence.

Key Features

  • Tailored to age-related changes in driving cognition and reaction
  • Digitally delivered
  • Insurance discount eligibility available

Target Users: Senior drivers; carriers serving the 60+ demographic

DrivingIQ (Telematics Tutor)

Driver assessment and training module integrated with existing telematics and UBI technology to improve driving behavior and UBI scores.

Key Features

  • Integrates with in-car and mobile monitoring devices
  • Improves driver UBI/telematics scores
  • Reduces UBI program dropout rates
  • Provides driver risk profiling data

Target Users: Auto insurers with active telematics/UBI programs

Psychometric-Based Insurance (PBI)

Emerging predictive analytics platform combining neurocognitive driver assessments with crash/claims data and UBI telematics for enhanced insurance risk scoring. (Currently in development/coming soon.)

Key Features

  • Measures six crash avoidance factors linked to 90%+ of collisions
  • Integrates motor vehicle records, telematics, and psychometric data
  • Supports pricing model enhancement and low-risk customer identification

Target Users: Auto carriers seeking improved underwriting accuracy

At a Glance

Founded
1995
Headquarters
Elk Grove, California
Employees
1-10
Funding
Bootstrapped

Category & Focus

Category
Data & Analytics
Subcategories
Driver Safety Training Telematics Integration UBI Score Enhancement Predictive Analytics Behavioral Risk Assessment
Insurance Verticals
P&C Personal P&C Commercial
Target Customers
Carriers, Agents/Agencies, Consumers

Customers

  • Allstate
  • Liberty Mutual
  • AAA Insurance / CSAA
  • Erie Insurance
  • Farmers Insurance
  • Hanover Insurance
  • MAPFRE Insurance
  • Mutual of Enumclaw
  • West Bend Insurance
  • Commonwealth Casualty Company
  • Central Insurance

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Last updated: 2026-04-09