Quanata
Powering the future of context-based insurance through AI-driven risk prediction and mitigation.
Overview
Quanata (formerly BlueOwl) is an insurtech technology company backed by and operating within the State Farm family of companies. Founded in 2015 in San Francisco, Quanata brings together data scientists, actuaries, engineers, designers, and marketers -- many from leading Silicon Valley companies -- to build context-based risk prediction and mitigation solutions for the global insurance industry.
The company rebranded from BlueOwl to Quanata to better align with its evolving business model and the breadth of solutions it delivers to clients. With approximately 283 employees across North America, Europe, and Oceania, Quanata combines Silicon Valley innovation with the financial strength and insurance expertise of State Farm.
Quanata's most prominent showcase is HiRoad Assurance Company, a full-stack behavior-based auto and renters insurer that Quanata built from ideation to fully operational in under 18 months. Beyond HiRoad, Quanata licenses its technology platform to external insurers and insurtechs seeking to deploy context-based, telematics-driven insurance products.
Products & Services
Context-Based Insurance Platform
A cloud-native, fully unified technology platform for running context-based and telematics-driven insurance solutions. Powers every aspect of a behavior-based insurer, including underwriting, pricing, policy administration, customer experience, and back-office operations. Enables new insurance carriers to become operational significantly faster than conventional approaches.
Key Features
- Behavioral risk modeling and scoring for underwriting and marketing
- Telematics integration combining driving behaviors, traffic, environmental conditions, and in-vehicle data
- AI-assisted risk prediction and contextual pricing
- Mobile-first consumer applications
- Policy administration and billing for behavior-based products
Target Users: Insurance carriers and insurtechs building usage-based or telematics-driven products
Behavioral Risk Scoring
Advanced AI and data science models that score driver behavior based on telematics, contextual driving data, and environmental conditions. Delivers holistic risk insights enabling more accurate underwriting and personalized pricing.
Key Features
- Real-time telematics data ingestion
- Multi-factor contextual risk scoring
- Integration with existing carrier underwriting systems
- Predictive analytics for loss prevention
Target Users: Carriers, MGAs seeking advanced risk segmentation
Telematics-Driven Rewards and Engagement
Digital experience layer providing behavioral incentives programs that reward safe driving behaviors and improve driver retention. Uses persuasive technology design principles -- including streaks, feedback loops, and rewards -- to encourage positive behavior change and reduce distracted driving.
Key Features
- Mobile app-based behavior coaching
- Gamification and streak-based incentives
- Distracted driving reduction (demonstrated 3% year-over-year improvement)
- Integration with pricing and renewal workflows
Target Users: Carriers and insurtechs with consumer-facing telematics programs
Insurance Marketing Technology
Customer acquisition and retention tools optimized for behavior-based insurance products, combining risk-based targeting with digital marketing capabilities.
Key Features
- Risk-based acquisition scoring
- Digital marketing integration
- Customer lifetime value modeling
Target Users: Carriers and insurtechs
At a Glance
- Founded
- 2015
- Headquarters
- San Francisco, CA, USA
- Employees
- 201-500
- Funding
- Acquired
Category & Focus
- Category
- Underwriting & Risk
- Subcategories
- Telematics Behavioral Risk Modeling Usage-Based Insurance Context-Based Insurance
- Insurance Verticals
- P&C Personal Specialty/E&S
- Target Customers
- Carriers, MGAs/MGUs
Customers
- HiRoad Assurance Company (built and operated by Quanata on behalf of State Farm)
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Last updated: 2026-04-09