MOTER Technologies
MOTER Technologies is an insurtech and data science company building edge-computing software that converts vehicle sensor data into AI-driven risk scores for insurers, automakers, and mobility fleets.
- Company typePrivate
- Founded2021
- HeadquartersTorrance, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What MOTER Technologies does
MOTER Technologies is a U.S.-based software and data science company, founded in April 2021 as a subsidiary of Aioi Nissay Dowa Insurance (part of the MS&AD Insurance Group). The company builds an edge-computing data science platform that processes raw vehicle sensor data — including ADAS, cameras, radar, lidar, and GPS inputs — directly on in-vehicle hardware and uploads only distilled insights to the cloud. Its product suite centers on "MOTER Scores," a two-dimensional risk analytics offering comprising an Insurance Premium Score (for dynamic underwriting and schedule rating) and Driver Coaching Scores (for trip-level risk factor assessment), complemented by the DriveSage™ Driver Coaching App (launched August 2025 with Valtech Mobility), a Fleet Safety Score and Trip Rating feature, and a web-based MOTER Dashboard for fleet and underwriting users.
The underlying technology combines computer vision applied to two-way dash cameras, multimodal sensor fusion, and proprietary AI models trained and validated on more than four billion miles of real-world driving data from tens of thousands of vehicles. By performing inference at the edge, MOTER claims data transmission cost reductions of up to 90% and a privacy posture in which no raw video or PII leaves the vehicle. The platform is hardware-agnostic and designed to be deployed across multiple OEMs, notably via a December 2025 partnership with Sonatus that embeds the risk analytics engine directly into vehicle computing systems.
MOTER monetizes across three customer segments — insurers, automakers, and mobility/MaaS fleets — through a hybrid model that combines data monetization, licensing royalties on its scoring platform, technology platform licensing to OEMs, and a full-service insurtech wholesale and MGA brokerage licensed in 49 states (operating in California as MOTER Insurance Services). Distribution is multi-channel: direct enterprise sales, an MGA/brokerage channel, the Guidewire Accelerator integration for carrier deployment, and embedded OEM relationships with partners including Sonatus, Elektrobit, NXP, AWS, BlackBerry, Denso, Paccar, Woven by Toyota, and Sony Honda Mobility. The company has been actively building flagship commercial relationships in 2025 (ITOCHU Corporation strategic investment and NEC capital alliance in September 2025; Clear Blue Insurance Group filing for a California personal auto program targeting the Sony Honda AFEELA EV in December 2025; Ride Yellow taxi fleet deployment in 2026).
MOTER Technologies firmographics
Firmographics- Name
- MOTER Technologies
- Legal name
- MOTER Technologies, Inc.
- Website
- https://moter.ai
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- MOTER Technologies is an insurtech and data science company building edge-computing software that converts vehicle sensor data into AI-driven risk scores for insurers, automakers, and mobility fleets.
- Ownership category
- akta.pro rank
MOTER Technologies industry classification
Industry- Product category
- Insurance Telematics Software
- NAICS
- Insurance Carriers and Related Activities (524), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Navigational, Measuring, Electromedical, and Control Instruments Manufacturing (3345)
- SIC
- Insurance Carriers, Nec (6399), Measuring & Controlling Devices, Nec (3829)
- akta.pro primary industry
- Insurance, Risk & Claims Telematics Integrations (TLAEAFAM)
- akta.pro secondary industries
- Driver Behavior, Safety Scoring & Usage-Based Telematics (TLAEAFAF), Usage-Based / Telematics Personal Auto Insurance (FSAJAAAB), Fleet Safety Analytics, Benchmarking & Risk Scoring (TLAEANAI)
Keywords
Where MOTER Technologies is headquartered
LocationHeadquarters
- HQ city
- Torrance
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
MOTER Technologies business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D
Revenue model
- Data Monetization - Insurers: Providing insurers with access to vehicle and driver data insights for risk evaluation, pricing optimization, and claims processing. Insurance carriers pay for data-driven models and analytics that improve underwriting accuracy.
- Data Monetization - Automakers: Enabling automakers to monetize connected car data by providing data science platform that processes vehicle data and commercializes insights through insurance products and services, creating recurring revenue opportunities.
- Insurance Products and Services: Full-service insurtech wholesale and MGA brokerage offering commercial auto insurance solutions. Custom fleet insurance solutions created by analyzing real-time driving insights. Licensed in 49 states.
- Licensing Royalties: Platform licensing for motor insurance, telematics, and claims analytics. Trademark filed April 2026 covering AI-powered platform for motor insurance, financial risk assessment services for fleet and autonomous vehicle insurance.
- Technology Platform Licensing: Integration of advanced driver risk analytics into vehicle computing systems via Sonatus partnership. Revenue from deployment infrastructure enabling MOTER's models to run across multiple manufacturers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Monthly | Insurance products are provided through wholesale/MGA brokerage model with pricing determined by underlying risk assessment data. |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels6 records
MOTER Technologies product offering
Product offeringCore offering
MOTER Technologies builds an edge-computing data science platform that processes vehicle sensor data (ADAS, cameras, radar, lidar, GPS) directly inside the vehicle to generate risk analytics scores for the insurance and automotive industries. Its flagship MOTER Scores suite provides Insurance Premium Scores for dynamic underwriting and Driver Coaching Scores for trip-level risk and fleet coaching. The company also operates as a licensed wholesale/MGA insurance brokerage in 49 U.S. states, distributing commercial auto and fleet coverage using its own analytics.
Product overview
MOTER Technologies offers a unified edge-to-cloud data science platform centered on MOTER Scores — a two-dimensional risk analytics suite comprising the Insurance Premium Score (for dynamic insurance pricing and underwriting) and Driver Coaching Scores (for trip-level risk assessment and fleet safety culture). Supporting the scoring platform are the DriveSage™ Driver Coaching App (launched via Valtech Mobility), the MOTER Risk Analytics Program, Fleet Safety Score and Trip Rating features, and the MOTER Dashboard for fleet performance monitoring. All capabilities are powered by the hardware-agnostic edge-to-cloud software platform that processes vehicle sensor data including ADAS, radar, lidar, GPS, and camera inputs to generate actionable insurance insights for fleets, insurers, and automakers.
Differentiator
Problem solved
Functional benefit
Brands
- MOTER Scores: Comprehensive suite of risk analytics including Insurance Premium Score for schedule rating and Driver Coaching Scores designed for fleet safety culture.
- DriveSage
Products and services
- MOTER Scores
- DriveSage™ Driver Coaching App
- MOTER Risk Analytics Program
- Edge-to-Cloud Software Platform
- MOTER Dashboard
- MOTER Insurance Brokerage (MGA/Wholesale)
Quantifiable outcome
- Drivers who consistently score well on MOTER Scores are 3.5x less likely to be involved in a collision than those who consistently score poorly
- +3 more outcomes
Companies that use MOTER Technologies
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles3 records
MOTER Technologies technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability6 records
Feature6 records
MOTER Technologies partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered flagship and core.
- Ride YellowflagshipPartnership with Ride Yellow (LA YellowCab) to deploy AI-powered insurance risk intelligence for taxi fleet safety management across Southern California and Denver. Collaboration aims to validate predictive risk models, identify high-risk driver segments, and enable AI-driven workflows for fleet risk managers to reduce collisions and improve operational decision-making.
- SonatuscorePartnership to integrate advanced driver risk analytics directly into vehicle computing systems, replacing traditional telematics tools. In-vehicle AI evaluates driving behavior using conventional metrics (speed, braking) alongside contextual factors including traffic conditions, lane changes, and pedestrian interactions. Addresses OEM fragmentation through Sonatus' standardized deployment layer, enabling MOTER's models to run across multiple manufacturers without custom integrations. Deployment via Sonatus AI Director.
- Clear Blue Insurance GroupflagshipInsurance carrier Clear Blue Insurance Group has filed to launch a new private passenger auto insurance program in California using MOTER's data-driven models, pending regulatory approval. Focus on green vehicles including the 2026 Sony Honda Mobility AFEELA EV.
- NECcoreStrategic capital alliance fusing NEC's AI and biometrics with MOTER's real-time vehicle analytics to advance the future of mobility through digital innovation.
- Valtech MobilitycoreLaunched DriveSage Driver Coaching App in collaboration with Valtech Mobility. DriveSage delivers privacy-first telematics technology that saves lives, lowers insurance costs, and powers smarter, safer, fairer mobility through embedded AI.
- GuidewirecorePartnership with Guidewire for efficient deployment of proprietary vehicle scoring model to partner insurance carriers. Guidewire's Accelerator product provides seamless access to scoring model without commitment of building new backend infrastructure. Reduces implementation costs significantly.
- ElektrobitcoreTechnology partner listed on MOTER website. Elektrobit provides automotive software solutions.
- COVESAcoreMember and partner in Connected Vehicle Systems Alliance. COVESA develops standards for connected vehicle data and services.
- AWScoreTechnology partner providing cloud infrastructure for MOTER platform.
- NXP SemiconductorscoreTechnology partner providing semiconductor solutions for vehicle computing.
- DensocoreTechnology partner and automotive supplier.
- PaccarcoreTechnology partner and commercial truck manufacturer.
- Woven by ToyotacoreTechnology partner and mobility subsidiary of Toyota focused on automated driving and smart city infrastructure.
- KINTOflagshipKINTO (Toyota Mobility Service) is a customer and partner using MOTER technology for MaaS risk analytics. Collaborative partnership addressing risk questions for Mobility-as-a-Service offerings.
- BlackBerrycoreTechnology partner providing automotive software and security solutions.
- Sony Honda MobilityflagshipStrategic partner and customer. Clear Blue Insurance Group filing targets 2026 Sony Honda Mobility AFEELA EV for insurance program using MOTER technology.
- Connected AnalyticscoreTechnology partner providing connected vehicle analytics solutions.
Scale indicators6 records
Recent moves6 records
Expansion highlights7 records
MOTER Technologies competitors and assessment
Company assessmentEmerging players
- Zendrive: Zendrive provides smartphone-based driver behavior analytics and risk scoring to insurers and fleet operators. It overlaps with MOTER on usage-based insurance and fleet safety scoring, though its technology is mobile-centric rather than edge-AI / OEM-embedded.
- Sentiance: Sentiance offers AI-based driving behavior and mobility intelligence to insurers, OEMs, and mobility players. It is a partial overlap to MOTER's edge-AI scoring approach and competes for similar insurer and MaaS customer budgets.
Direct peers
- Arity: Arity, a spinoff of Allstate, is a large mobility data and analytics platform providing telematics-derived driving scores to insurers, fleets, and cities. It directly overlaps MOTER's connected-car risk scoring and UBI underwriting value proposition at greater scale.
- Cambridge Mobile Telematics: CMT is the leading pure-play telematics and UBI scoring provider, serving insurers and fleets with smartphone-based and OBD-based driving analytics. Like MOTER, it sells risk scores to auto insurers and fleet operators and competes for usage-based insurance program adoption.
- IMS (Insurance & Mobility Solutions): IMS provides telematics, UBI, and mobility data solutions to insurers, automakers, and fleets. It competes for similar usage-based insurance, claims, and OEM data monetization opportunities as MOTER.
- Nauto: Nauto provides AI-powered driver behavior and fleet safety solutions using in-vehicle video and telematics. It directly parallels MOTER's computer-vision-enabled contextual scoring for commercial fleets and insurers.
Broad incumbents
- Geotab: Geotab is a large fleet telematics and connected-vehicle platform serving commercial fleets with GPS tracking, driver behavior, and risk data. It overlaps MOTER's fleet safety and risk scoring use cases, though Geotab's data acquisition is primarily OBD/dongle-based rather than edge-AI.
- Verisk: Verisk is a major insurance analytics and data provider serving carriers with risk assessment, fraud detection, and underwriting solutions. It is a broad incumbent against which MOTER's telematics-based scoring competes for insurance carrier spend.
- CCC Intelligent Solutions: CCC is the dominant P&C insurance data and claims platform, processing the majority of US auto claims. It competes with MOTER in providing insurers data-driven insights for underwriting, claims, and total loss evaluation, with a much broader enterprise software footprint.
- LexisNexis Risk Solutions: LexisNexis Risk Solutions is a major insurance and risk data vendor, providing C.L.U.E., driving records, and telematics-derived scores to auto insurers. It is a broad incumbent data supplier that competes with MOTER for carrier underwriting decision budgets.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
MOTER Technologies social profiles
Digital presenceMOTER Technologies compliance and trust
Trust signalCompliance2 records
MOTER Technologies financial estimates
Financial estimateRevenue estimate
Valuation estimate
MOTER Technologies leadership team
Management profileNumber of profiles
Profiles16 records
MOTER Technologies funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MOTER Technologies M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about MOTER Technologies
What does MOTER Technologies do?
MOTER Technologies builds an edge-computing data science platform that processes vehicle sensor data (ADAS, cameras, radar, lidar, GPS) directly inside the vehicle to generate risk analytics scores for the insurance and automotive industries. Its flagship MOTER Scores suite provides Insurance Premium Scores for dynamic underwriting and Driver Coaching Scores for trip-level risk and fleet coaching. The company also operates as a licensed wholesale/MGA insurance brokerage in 49 U.S. states, distributing commercial auto and fleet coverage using its own analytics.
Is MOTER Technologies a public or private company?
MOTER Technologies is a private company. It is classified as corporate owned and is currently operating.
When was MOTER Technologies founded?
MOTER Technologies was founded in 2021. It employs 11 to 50 people.
Where is MOTER Technologies based?
MOTER Technologies is headquartered in Torrance, United States, in the North America region.
How does MOTER Technologies make money?
Five revenue lines are on record. Data Monetization - Insurers are the primary driver. The others are data Monetization - Automakers, insurance Products and Services, licensing Royalties and technology Platform Licensing.
Who are MOTER Technologies's main competitors?
Emerging players on record are Zendrive and Sentiance. Direct peers are Arity, Cambridge Mobile Telematics, IMS (Insurance & Mobility Solutions) and Nauto. Broad incumbents are Geotab, Verisk, CCC Intelligent Solutions and LexisNexis Risk Solutions.
Does MOTER Technologies have an API?
No public API is recorded for MOTER Technologies.
What industry is MOTER Technologies in?
MOTER Technologies's product category is Insurance Telematics Software. Its primary akta.pro industry code is TLAEAFAM, Insurance, Risk & Claims Telematics Integrations, with a secondary code of TLAEAFAF, Driver Behavior, Safety Scoring & Usage-Based Telematics. Its NAICS code is 524 and its SIC code is 6399.