How to Figure Out What Your Car Knows About You (and Opt Out of Sharing When You Can)

Cars collect a lot of our personal data, and car companies disclose a lot of that data to third parties. It’s often unclear what’s being collected, and what's being shared and with whom. A recent New York Times article highlighted how data is shared by G.M. with insurance companies, sometimes without clear knowledge from the driver. If you're curious about what your car knows about you, you might be able to find out. In some cases, you may even be able to opt out of some of that sharing of data.

Why Your Car Collects and Shares Data

A car (and its app, if you installed one on your phone) can collect all sorts of data in the background with and without you realizing it. This in turn may be shared for a wide variety of purposes, including advertising and risk-assessment for insurance companies. The list of data collected is long and dependent on the car’s make, model, and trim.  But if you look through any car maker’s privacy policy, you'll see some trends:

• Diagnostics data, sometimes referred to as “vehicle health data,” may be used internally for quality assurance, research, recall tracking, service issues, and similar unsurprising car-related purposes. This type of data may also be shared with dealers or repair companies for service.
• Location information may be collected for emergency services, mapping, and to catalog other environmental information about where a car is operated. Some cars may give you access to the vehicle’s location in the app.
• Some usage data may be shared or used internally for advertising. Your daily driving or car maintenance habits, alongside location data, is a valuable asset to the targeted advertising ecosystem. 
• All of this data could be shared with law enforcement.
• Information about your driving habits, sometimes referred to as “Driving data” or “Driver behavior information,” may be shared with insurance companies and used to alter your premiums.  This can range from odometer readings to braking and acceleration statistics and even data about what time of day you drive.. 

Surprise insurance sharing is the thrust of The New York Times article, and certainly not the only problem with car data. We've written previously about how insurance companies offer discounts for customers who opt into a usage-based insurance program. Every state except California currently allows the use of telematics data for insurance rating, but privacy protections for this data vary widely across states.

When you sign up directly through an insurer, these opt-in insurance programs have a pretty clear tradeoff and sign up processes, and they'll likely send you a physical device that you plug into your car's OBD port that then collects and transmits data back to the insurer.

But some cars have their own internal systems for sharing information with insurance companies that can piggy back off an app you may have installed, or the car’s own internet connection. Many of these programs operate behind dense legalese. You may have accidentally “agreed” to such sharing without realizing it, while buying a new car—likely in a state of exhaustion and excitement after finally completing a gauntlet of finance and legal forms.

This gets more confusing: car-makers use different terms for their insurance sharing programs. Some, like Toyota's “Insure Connect,” are pretty obviously named. But others, like Honda, tuck information about sharing with a data broker (that then shares with insurance companies) inside a privacy policy after you enable its “Driver Feedback” feature. Others might include the insurance sharing opt-in alongside broader services you might associate more with safety or theft, like G.M.’s OnStar, Subaru’s Starlink, and Volkswagen’s Car-Net.

The amount of data shared differs by company, too. Some car makers might share only small amounts of data, like an odometer reading, while others might share specific details about driving habits.

That's just the insurance data sharing. There's little doubt that many cars sell other data for behavioral adverti