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OnStar Help: Smart Driver

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What is Smart Driver?

Smart Driver provides members with information about their driving behavior to help maximize their vehicles’ overall performance, reduce vehicle wear and tear, enhance fuel efficiency, and help members become better drivers. Enrolled members will receive ongoing feedback with results on events such as hard braking, hard acceleration and high-speed driving occurrences, as well as tips to enhance their driving skills. And if you opt in to Insurance Discounts eligibility, Smart Driver can also make you eligible for discounts on your auto insurance, depending on your driving.

In what countries is Smart Driver available?

Smart Driver is currently available for OnStar Members in the United States.

Do I need a paid OnStar service plan in order to participate in Smart Driver?

Members do not need to be in a paid service plan to enroll in Smart Driver. They may simply enroll in the OnStar Basic Plan, which is free for five years, and agree to the OnStar Terms and Conditions.

What does it cost to participate in Smart Driver?

There is no charge for Members to enroll in Smart Driver. However, at the very least, Members must enroll in the OnStar Basic Plan, which is free for five years, and agree to the OnStar User Terms and Privacy Statement.

Who may enroll in Smart Driver?

All OnStar Members with a capable vehicle and an active OnStar account may enroll in Smart Driver. This may be enrollment in the OnStar Basic Plan, which is free for five years, and agreeing to the OnStar User Terms and Privacy Statement.

What vehicles are compatible with Smart Driver?

Smart Driver is available on most newer GM vehicles. Check here for vehicle capability.

How do Members enroll in Smart Driver?

Eligible Members can enroll in Smart Driver by signing up through their account on Owner Center.

Why do Members have to enroll separately in Smart Driver from their basic OnStar services?

We do not collect driving behavior data on our Members unless they consent to us doing so.

Who determines whether a Member is eligible for an insurance discount?

Participating insurance companies determine insurance discount eligibility based on their own criteria.

Which insurance companies are participating in this program?

This list varies by state. Check out what providers are available in your area here.

How can I receive an insurance discount?

Without sharing your personal information, we send your Smart Driver data to participating insurance companies to see if you are eligible for a discount off of their standard insurance rates. Members have to be enrolled in the program for at least 90 days to determine their eligibility for a discount. After 90 days, members enrolled in the Insurance Discount eligibility portion of the program will receive an email with information about their eligibility, and they will be linked to a participating insurance company for a discount off their standard rate.

After the first 90 days, OnStar will continue to check for eligibility every six months and inform Members of all available offers. OnStar will not share any of your personal information at any time. If you are eligible for a discount, you will then have to identify yourself to the insurance company to claim it.

Is OnStar selling insurance?

No. OnStar, General Motors and their affiliates are not insurance providers. Members should obtain insurance only from licensed insurance companies.

Are OnStar Members still able to receive low-mileage insurance discounts?

OnStar members may be eligible for other insurance discounts. Learn more here. OnStar, General Motors and their affiliates are not insurance providers. Members should obtain insurance only from licensed insurance companies.

Does OnStar share my personal information with insurance companies?

We do not share your personal information with insurance companies—only the data captured by Smart Driver, if you opt in to the Insurance Discounts Eligibility feature.

What information does Smart Driver capture?

Upon the Member’s consent and enrollment in Smart Driver, depending on vehicle capability, the vehicle will collect specific driving behavior data, including hard braking events, hard acceleration events, time spent idle, speeds over 80 miles per hour, when a trip occurs and the number of miles driven.

How often is data collected from the vehicle?

Smart Driver data is collected by OnStar from the vehicle upon every ignition cycle. Once data is collected, Members may log in to their OnStar account and view this information on the Smart Driver Activity Page from their computer or mobile device.

How does OnStar protect Members’ personally identifiable information from being shared?

OnStar takes the security of its Members’ data very seriously. We use technical, administrative and physical safeguards designed to help protect Members’ information from loss, misuse and unauthorized access, disclosure, alteration, destruction or theft. OnStar doesn’t share personally identifiable information with an insurance company without your express consent.

Can I opt out of the Insurance Discounts eligibility feature?

Yes, you can choose to opt out of this feature at any time by visiting the Smart Driver Activity Page, choosing the Settings option, and clicking on the deactivate button under the Insurance Discounts eligibility header.

Will other OnStar Members be able to see Members’ information?

No. Members’ Smart Driver information will not be visible to other OnStar members. Members will be able to see how they compare against an anonymous aggregate of participating OnStar Members.

How soon after a trip will a Member be able to view the data online?

Generally, trip data will be available online within a few minutes, but it could take up to 24 hours, depending on the length of the trip, traffic on the network and other factors.

What are the factors that go into drivers’ scores?

The most important factors in your score are the number of hard brakes per mile, the severity of those hard brakes and the time of day and day of the week of your trips, among other factors.

How are my scores calculated?

After your trip is complete, we look at the factors above and apply a proprietary scoring algorithm used to assess driving behavior. The scores by trip can vary widely. For example, a longer trip with one mild hard brake would score much better than a very short trip with a more abrupt hard brake. Daily, weekly and monthly scores use the same factors, but use somewhat different scoring algorithms. Daily scores consider things that trip scores don’t, like how many trips the driver took and miles he or she drove over the entire day. Trip scores may vary. Monthly scores are the most reliable indicators of how drivers are doing on their driving behaviors.