Telematics, or usage-based insurance (UBI), are insurance programs that capture consumers’ driving data via devices, built-in technology, and mobile phones. The programs use that data to assess consumers’ driving behavior, driving patterns, and other qualities to calculate their insurance premiums. Policymakers have a responsibility to ensure that telematics programs are fair and affordable, and that consumers do not experience unfair discrimination. Consumer protection is a key component of these efforts; strong rules must be put in place to ensure pricing fairness and to protect consumer privacy when companies use telematics data and the associated algorithms.