High Definition Vehicle Insurance

What High Definition Vehicle Insurance does

High Definition Vehicle Insurance (HDVI) is a Chicago-based Managing General Agent (MGA) founded in 2018 that provides technology-driven commercial auto insurance primarily to small and mid-sized trucking fleets (5-250 power units), operating across 25 U.S. states. The company's flagship product, HDVI Shift, is a usage-based, dynamically-priced insurance policy that ingests real-time telematics data from more than 60 ELD suppliers and 50+ dash cam providers to quantify fleet risk across driving behavior, route type, and time of day, and reward safe drivers with monthly premium discounts of up to 20% (with a base-rate ceiling). Supporting infrastructure includes the HDVI Fleet Portal, the Driver+ mobile app with a driver rewards platform, the TotalQuote agent quoting system, and a Shift Score monthly safety rating; the company has accumulated over 7.5 billion miles of telematics data as a proprietary risk-modeling asset.

HDVI generates revenue as a licensed property-and-casualty insurance agency (HDVI Insurance Services, Inc.) earning commissions on premiums, with policies underwritten by Spinnaker Insurance Company on A.M. Best A- rated paper. The go-to-market is hybrid: HDVI distributes primarily through commercial trucking insurance agents equipped with the Agent Portal and TotalQuote system, while also engaging fleets directly via dedicated Fleet Services representatives. Pricing follows a usage-based monthly model for Shift and an annual model for the state-specific Safe365 product. In February 2025, HDVI added A+-rated reinsurance partners to expand underwriting capacity, supporting nationwide expansion of its telematics-driven commercial auto product line.

The company has raised over $87 million in total venture funding across multiple rounds (Series B of $33M in August 2021 and $40M in growth capital in February 2025), is led by co-founder and CEO Reid Spitz (who succeeded co-founder Chuck Wallace, now Executive Chairman), and reports a 107% compound annual growth rate since launching HDVI Shift in 2021. Customers include small commercial trucking operators such as Security Transport, JMT Group, Huddleston Enterprises, Davidson Trucking, CargoX, and P&B Trucking, served through a distributed agent and direct-sales channel structure.

Name

High Definition Vehicle Insurance

Legal name

High Definition Vehicle Insurance, Inc.

Website

https://hdvi.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

51–100 employees

Short description

HDVI is a Chicago-based MGA offering telematics-driven, dynamically-priced commercial auto insurance for small and mid-sized U.S. trucking fleets (5-250 trucks), distributed through insurance agents and direct sales, with policies underwritten by Spinnaker Insurance Company.

Ownership category

akta.pro rank

Product category

Commercial Trucking Insurance

NAICS

Automotive Equipment Rental and Leasing (5321), Truck, Utility Trailer, and RV (Recreational Vehicle) Rental and Leasing (53212)

SIC

Services-Auto Rental & Leasing (No Drivers) (7510)

akta.pro primary industry

Commercial Auto & Fleet Insurance (FSAJAKAB)

akta.pro secondary industry

Driver Behavior, Safety & Video Telematics (Dashcams/AI) (TLABAJAG)

Keywords

• Commercial trucking insurance
• Telematics-based insurance
• Usage-based pricing
• Commercial auto insurance
• Fleet safety management

Headquarters

HQ city

Chicago

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Premiums: HDVI acts as a licensed property casualty insurance agent earning commissions from insurance carriers. Premiums are dynamically priced based on telematics data, with discounts up to 20% for safe driving.
2. Agent Commission Revenue: Revenue generated through insurance agency relationships, with HDVI Insurance Services, Inc. serving as the insurance agency and products underwritten by Spinnaker Insurance Company.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels6 records

Core offering

HDVI provides commercial auto insurance for trucking fleets, led by HDVI Shift — a usage-based, dynamically-priced policy that uses real-time telematics data from ELDs and dash cams to adjust monthly premiums and reward safe driving with discounts up to 20%. The company combines this coverage with integrated safety tools (Fleet Portal, Driver+ Mobile App, Driver Rewards), dedicated Fleet Services coaching, and multiple coverage lines (Auto Liability, Physical Damage, Motor Truck Cargo, Trucker's General Liability) underwritten by Spinnaker Insurance Company.

Product overview

HDVI offers a unified platform-plus-modules architecture centered on its flagship HDVI Shift dynamically-priced trucking insurance product. The core offering combines telematics-based commercial auto insurance with integrated safety tools including the HDVI Fleet Portal, Driver+ Mobile App, and Driver Rewards Platform. Supporting modules include Fleet Services (dedicated safety experts and coaching), Claims handling, and HDVI Safe365 (available in select states). For agents, TotalQuote and the HDVI Agent Portal provide quoting and policy management tools. Coverage types span Auto Liability, Physical Damage, Motor Truck Cargo, and Trucker's General Liability. The company leverages integrations with over 60 ELD suppliers and 50+ dash cam providers, including named partners Nexar, Verizon Connect, Motive, Linxup, and Samsara.

Differentiator

Problem solved

Functional benefit

Brands

• HDVI Shift: The first ever personalized and dynamically-priced insurance product in commercial auto for trucking fleets, offering up to 20% monthly premium discounts based on real-time telematics and safety performance.
• HDVI Safe365
• TotalQuote
• HDVI Safety Lookback

Products and services

• HDVI Shift The first personalized and dynamically-priced commercial auto insurance product for trucking fleets, using real-time telematics data to customize monthly premiums and reward safe driving with discounts up to 20%. Underwritten by Spinnaker Insurance Company and available via HDVI Insurance Services, Inc.
• HDVI Safe365 Annual commercial trucking insurance product for fleets in select states that rewards safe driving with up to 20% discount at policy renewal based on safety performance. Currently available in Pennsylvania, Oklahoma, and Virginia.
• Fleet Services

Quantifiable outcome

• Up to 20% monthly premium discount for safe driving
• +5 more outcomes

Named customers7 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability5 records

Feature6 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Spinnaker Insurance CompanycoreOEM/ Whitelabel/ Licensing PartnerHDVI Insurance Services serves as the insurance agency with products underwritten by Spinnaker Insurance Company, Bedminster, NJ. HDVI writes on A.M. Best A- rated paper.
• FederatocoreTechnology or IntegrationFederato's RiskOps platform helps HDVI improve underwriter efficiency, slashing time to quote from one week to half a day while maintaining precision underwriting and pricing.
• Infiniti WorkforceminorImplementation/ SI/ Consulting PartnerPartnered with HDVI to provide monthly digital driver trainings for fleet customers to easily get drivers education and track progress.

Scale indicators12 records

Recent moves14 records

Expansion highlights5 records

Direct peers

• Cover Whale Insurance Solutions: Cover Whale is a tech-enabled commercial trucking insurance MGA offering usage-based policies to owner-operators and small fleets — directly comparable to HDVI's telematics-based dynamic pricing model and SMB trucking target segment.
• Clearcover: Clearcover is a digital-first auto insurer using data-driven underwriting; while primarily personal auto, its tech-led MGA approach and telematics-style risk modeling overlap with HDVI's commercial trucking platform strategy.
• Next Insurance: Next Insurance is a leading SMB-focused insurtech offering digital commercial insurance including commercial auto; comparable as a tech-first MGA targeting small businesses with streamlined digital distribution.
• Reliance Partners: Reliance Partners is a transportation-focused commercial insurance brokerage and consultancy; HDVI advisor Andrew Ladebauche is its CEO and co-founder, evidencing close ecosystem overlap in transportation insurance distribution.

Broad incumbents

• Progressive Commercial: Progressive is the leading U.S. commercial auto insurer with broad fleet offerings and growing telematics capabilities; HDVI advisor William Kampf previously spent 40 years at Progressive in commercial auto leadership, signaling deep competitive relevance.
• Great West Casualty Company: Great West Casualty is a long-standing trucking-focused commercial auto insurer serving fleet operators; a direct incumbent in HDVI's target niche, though without HDVI's telematics-native dynamic pricing approach.
• The Hartford: The Hartford is a major commercial lines insurer with a substantial commercial auto and trucking book; competes broadly with HDVI for SMB trucking fleet accounts through independent agents.

Emerging players

• SambaSafety: SambaSafety provides fleet risk management and driver monitoring data used by commercial insurers; an emerging player in the telematics-and-risk-scoring layer adjacent to HDVI's core proposition.
• Samsara: Samsara is a leading fleet telematics and IoT platform partner of HDVI; while not an insurer, its dash cam and ELD data feed HDVI's underwriting and pricing — making it a key ecosystem peer and potential vertical competitor.
• Motive: Motive is an AI-powered fleet operations and telematics platform integrated with HDVI; comparable as a technology ecosystem participant whose data underpins HDVI's risk models and whose product roadmap could expand into insurance adjacencies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/goHDVI
• YouTubeyoutube.com/channel/UCSuSgO-DJ8alLlzBowmq6NA
• Facebookfacebook.com/HighDefinitionVehicleInsurance
• LinkedInlinkedin.com/company/28158030

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Funding overview

Funding rounds3 records

Investors9 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about High Definition Vehicle Insurance