The $850 Fairness Gap Every Driver Should Know About

There's a pricing problem in auto insurance that most drivers don't know exists but are paying for every month.

A safe driver in some states with a clean record but poor credit pays $850 more per year than a driver with a DUI conviction and excellent credit. This isn't a fringe scenario. It's how traditional insurance math works.

The logic behind it: credit history correlates, statistically, with claim frequency across large populations. So insurers use it as a pricing input. The problem is that correlation isn't causation, and one person shouldn't pay for a statistical group they didn't choose to belong to.

Omnidya was built to close this gap. Your credit history is not an input in our pricing model. Your driving is. We put a dashcam in your car, score your behavior in real time, and calculate your premium from what actually happened on the road, not what actuaries expect to happen to someone with your credit profile.

If you drive well, you should pay for how you drive. Not for a financial event that happened three years ago and has nothing to do with a left turn.

That's Proof-Based Insurance™. And it starts with a 14-day trial, no credit check required.