StudyPrice

Price vehicle risk with confidence—VIN by VIN.

In today’s market, precision has never mattered more. After years of being underpriced, carriers have taken significant rate action to regain profitability—just as consumers are shopping at record levels. In fact, 57% of auto insurance customers have actively shopped for a new policy in the past year, and price remains the top driver.

At the same time, insurers face growing economic headwinds—from rising vehicle and parts costs to labor shortages and volatile tariffs—all of which make it harder to price accurately and profitably.

StudyPrice℠ is a VIN-specific risk analysis platform that helps carriers cut through the complexity and price risk at the feature level. By unlocking normalized, analytics-ready vehicle build data—including advanced safety systems and high-cost components—StudyPrice empowers carriers to underwrite more competitively, settle more accurately and deliver greater transparency to policyholders.

Trusted by Leading Carriers. Backed by Industry Experts.

Key Benefits for Insurance Carriers

2,100+ VIN-Specific Attributes Per Vehicle
From safety systems to theft deterrents to high-repair-cost features, StudyPrice delivers normalized, OEM-agnostic data—consistently structured and ready for analysis.
ADAS Feature Transparency
Standardized naming and identification across manufacturers removes ambiguity. Detect even “invisible” safety technology that doesn’t show up in traditional decoding.
Smarter Risk Pricing
Analyze historical claims data by feature to understand which technologies actually mitigate risk and are installed. Feed that insight directly into your quoting algorithms.
Regulatory Ready
As data privacy laws (like California’s SB 354) raise the bar for transparency and consent, StudyPrice helps you maintain trust by working with normalized, compliant, and clearly sourced vehicle data.

Streamlined Integration. Immediate Impact.

StudyPrice is available as a RESTful web service supporting both live VIN submissions and batch processing. With 30+ years of coverage and real-time updates from OEMs, the data is always current—and always ready to go to work in your quoting platform.

Solution Overview

Returns up to 2,100 features per VIN.

Insurance carriers use StudyPrice to analyze all customer vehicle data at the feature level. Comparing it to their loss data, carriers learn which features impact frequency and severity of loss. 

Standardizes how ADAS features are named.

Rather than having a standardized naming convention for ADAS features, every manufacturer brands them differently as a way to stand out from the competition.

Because the detailed data provided through StudyPrice is normalized (vehicle features are described and coded consistently across years, makes, models and OEMs), comparison and analytics can be performed more accurately. With StudyPrice, insurance can compare over 2,100 feature attributes on every vehicle. JD Power Autodata Solutions keeps track of new technologies by adding them to the database as they enter the market.

Gives clarity to “invisible” ADAS features.

It has become difficult to determine relevant features and what features are actually on a vehicle with any degree of certainty. For instance, the addition of actuators, sensors, processors and/or over-the-air software capabilities have made some features difficult to see. 

JD Power Autodata Solutions receives build data directly from the OEMs for the majority of vehicles sold each year, including fleet and direct orders. In the absence of OEM build data, we have a proprietary VIN warehouse consisting of engineered VIN data derived from numerous sources that accounts for all of the as-configured features on a given VIN. We provide automotive VIN services that call out ADAS and other key features, as well as categorize them. StudyPrice is powered by deep and comprehensive vehicle data and configuration rules, making it much more difficult for “invisible” features to hide.

Competitively priced insurance rates keep customers loyal.

Insurance customers increasingly jump from carrier to carrier. According to analysis by JD Power, the number of insurance consumers “at-risk” for changing carriers has risen to its highest level in 20 years. The rate of auto insurance loyalty, measured by customers who will “definitely renew” their policy with their incumbent carriers, continues to fall.

This decline in loyalty is driven by the efficiency of online insurance shopping, the ease of switching carriers and the rising costs of auto insurance. Premium discounts for certain features can mean the difference between winning and losing a quote, as well as in retaining current customers.

Features Analyzed Include

All active and passive safety features
Features deemed expensive to repair or replace
Theft prevention technologies
Attributes that impact frequency and severity of loss

Want to see StudyPrice in action?

Request a demo to see how our insurance pricing and underwriting vehicle data solution helps modernize risk pricing, reduce claims leakage, and improve policyholder satisfaction.

Experts You Can Count On

Let's Connect

Are you interested in learning more about products and services from the Autodata Solutions division of JD Power? If so, fill out the form! We’ll be in touch ASAP.

Or, to speak directly with a member of our team, contact us at 866.430.8524.

For all other inquires, you can contact us here.

Precise Vehicle Data for Smarter Insurance Decisions