CA ACR224

Urges the Insurance Commissioner to authorize optional safe driver incentive programs for auto insurance use in California, allowing drivers to voluntarily opt-in to having premiums calculated based on monitored driving behaviors.

Notes that California currently prohibits drivers from choosing to include safe driver incentive program data in premium calculations, making it the only state with this restriction.

Identifies that safe driver incentive programs monitor behaviors such as speeding, hard braking, rapid acceleration, and distracted driving to provide real-time feedback and potentially reduce accident rates.

Requires any safe driver incentive program to comply with California Consumer Privacy Act principles, including opt-in structure, data access rights, correction rights, and the ability to opt out at any time.

Emphasizes potential benefits including improved road safety, reduced traffic fatalities, decreased vehicle emissions, and reduced reliance on traffic enforcement data that may reflect disparate enforcement rates across different populations.