The traditional approach to auto insurance pricing and risk assessment has been undergoing a paradigm shift with the advent of telematics technology. Telematics offers insurers the ability to assess risk more accurately by capturing real-time driving behavior data. This research project seeks to explore the use of telematics in auto insurance pricing and risk assessment, aiming to provide a comprehensive understanding of the implications of telematics adoption for insurers, policyholders, and regulatory bodies. By examining the current landscape, challenges, and future prospects of usage-based insurance, this study aims to contribute to the ongoing discourse on the intersection of technology and risk management within the auto insurance sector.