# Biometric Insurance Plans State Farm Will Create Custom Rates with Biometric and Automotive Data By Laura McQuarrie | Published 2015-10-20 | Autos Source: Trend Hunter, https://www.trendhunter.com/trends/auto-insurance-plan References: [nerdwallet](https://www.nerdwallet.com/blog/insurance/state-farm-driver-emotions-price-car-insurance/) & [patents.justia](http://patents.justia.com/patent/20150254955) State Farm's newest patent application reveals plans for a new type of auto insurance plan that would create custom insurance rates for customers based on a combination of [biometric and automotive data](https://www.trendhunter.com/trends/stress-management-system). In an attempt to prevent road range from escalating into a potential danger, the system aims to detect and diffuse anxiety, agitation and aggression. The 'Emotion Management System,' as it's being called, would use a combination of sensors and cameras to keep a pulse on data related to a driver's heart rate, grip on the steering wheel, body temperature, arm movement, head movement, vocal patterns and respiration rate. If alarming set of triggers is detected, the system would offer stimuli to change a driver's behavior. For instance, this might include the onset of relaxing music, pre-recorded messages, nature sounds, [fragrance](https://www.trendhunter.com/trends/bmw-fragrances) or even cool blasts of air. ## Trend Insights (Trend Hunter) - Score: 4.2/10 - Popularity: 35% | Activity: 83% | Freshness: 8% - Audience gender: 70% men, 30% women - Primary generations: Millennial, Gen X - Top markets: North America ## Categories [Trend Hunter](https://www.trendhunter.com/trends) > [Autos](https://www.trendhunter.com/autos) ## Key Themes ### Key Themes Behind This Trend - **Biometric Insurance Plans:** State Farm plans to use biometric and automotive data to create custom auto insurance rates. - **Emotion Management System:** State Farm's patent application outlines an Emotion Management System to detect and diffuse anxiety, agitation, and aggression. - **In-car Monitoring:** State Farm's use of sensors and cameras to monitor driver data may lead to more advanced in-car monitoring technology. ### Where This Applies - **Auto Insurance:** State Farm's biometric approach to auto insurance may disrupt the traditional insurance industry. - **Automotive Technology:** State Farm's use of biometric and automotive data to customize rates may drive new advancements in automotive technology. - **Health and Wellness:** State Farm's Emotion Management System may pave the way for more health and wellness innovations in the automotive industry. ## Related on Trend Hunter - [AI-Powered Driving Apps](https://www.trendhunter.com/trends/aipowered-driving-app.md) - [In-Car Stress-Reducing Solutions](https://www.trendhunter.com/trends/harman-ready-care.md) - [AI-Powered Vehicle Security Systems](https://www.trendhunter.com/trends/vehicle-security-system.md) - [Smart Mental Health Rings](https://www.trendhunter.com/trends/happy-ring.md) - [Emotional Intelligence-Focused AI Solutions](https://www.trendhunter.com/trends/ovomind.md) - [Emotional State-Monitoring Wearables](https://www.trendhunter.com/trends/nuna-pendant.md) - [Intoxication-Indicating AI Technology](https://www.trendhunter.com/trends/drunkdriving-detection.md) - [Emotion-Sensing Eyewear](https://www.trendhunter.com/trends/emteq-labs-sense.md) - [Alcohol-Monitoring Bracelets](https://www.trendhunter.com/trends/alcoholmonitoring-bracelet.md)