Should You Let Insurance Companies Access Your ELD Data?

Why sharing your telematics might actually save your fleet money

Are you worried about letting insurance companies access your ELD data? You’re definitely not alone—but you might be overthinking the risk. The truth is, giving access to your ELD could actually help you save money on your trucking insurance, especially if you’re running a clean, safe operation.

Let’s break it all down so you can decide if it’s worth it for your fleet.

What Are Insurance Companies Really Looking For?

When an insurance company asks to connect to your ELD, they’re not trying to spy on you. They’re trying to determine whether your fleet is a safe risk—and if it is, they want to reward you with better pricing.

Different carriers use different platforms and data points:

Nirvana, for example, requires you to connect your ELD before they’ll even give you a quote. An agent (like us) initiates the quote, then you get a link to choose your ELD provider (like Motive, Samsara, or Azuga), enter your login, and securely share your data.

TenFour, another carrier we work with at Strong Insurance, uses Trucker Cloud to access your data. They’re not just looking at driving habits—they want to verify that the number of vehicles reported matches what you’re actually operating under your DOT number.

What Kind of Data Are They Looking At?

Most carriers are reviewing the last 90 days of activity. Common data points include:

• Hard braking

• Sharp turns

• Speeding

• Idle time

• Vehicle usage consistency

Each company might weigh these factors a bit differently, but they’re all trying to do the same thing: assess whether you’re a safe, insurable risk. If the data shows you run a tight ship, you’re much more likely to get a discounted rate—not a penalty.

Will They Monitor You All Year?

Sometimes, yes. Certain carriers, like Progressive, offer ongoing monitoring through programs like Smart Haul + AI Dash Cam (via Motive). Here’s how it works:

You get an automatic 15% discount when you enroll.

Based on your driving behavior, that discount could increase up to 30% at renewal.

So if you’ve got good driving habits, this kind of connection can help you keep rates low—not just today, but in the future too.

Why It’s (Usually) a Good Thing

Here’s the deal: most of the fleets that qualify for the better pricing through telematics already have the habits insurers are looking for.

If you’re:

• Doing pre-trip inspections

• Running driver safety programs

• Using dash cams

• Monitoring speed and idling

…then the data only reinforces what you already know—you’re running a safe fleet.

The result? Discounts and better underwriting terms.

Strong Insurance Gives You Options

At Strong Insurance, we represent multiple carriers. Some require ELD integration for quotes. Others don’t. The point is—we’ll meet you where you are.

Want to connect your ELD and take advantage of discounts? ✅ We’ve got carriers for that.
Prefer to skip ELD integration? ✅ We’ve got options there too.

Bottom Line

Letting insurance carriers access your ELD data isn’t about exposing yourself to risk. It’s about proving you’re not one—and getting the rate you actually deserve.

If you’re running a clean fleet, the data works for you. And if you’re not sure where you stand, Strong Insurance can help you figure it out.

Call us today at (308) 430-1953 to learn more.
And if you want more no-BS breakdowns like this, follow Strong Insurance on social—and as always, keep it rubber side down.