Insurance · Auto/Home Insurance · Regulatory action + Private litigation

Allstate

Allstate's subsidiary Arity paid app developers millions of dollars to bury a tracking SDK inside apps that had nothing to do with insurance - Life360, GasBuddy, Fuel Rewards, Routely - harvesting geolocation, accelerometer, gyroscope and magnetometer readings plus derived 'events' like acceleration, speeding and distracted driving. Texas alleges this produced trillions of miles of movement data on more than 45 million Americans, assembled into what Allstate itself called the world's largest driving behavior database, and that Allstate and other insurers then used it to justify raising those same people's premiums. Nobody in that chain bought an Allstate product; they downloaded a gas-price app. Texas AG Ken Paxton filed in January 2025, and it is the first lawsuit any state attorney general has brought to enforce a comprehensive state privacy law.

Severity
Evidence tierUnassigned
Claims confirmed
Last verified2026-08-04

Primary source. www.texasattorneygeneral.gov/news/releases/attorney-general-ken-paxton-sues-allstate-and-arity-unlawfully-collecting-using-and-selling-over-45 — Verified - primary source confirmed.

Freshness. Last verified 96 days ago (2026-08-04); stale after 180 days.

Terms

Arbitration

Not independently confirmed this pass — standard binding arbitration + class action waiver expected.

Data sharing

MAJOR GOVERNMENT ENFORCEMENT ACTION (Jan 2025): Texas Attorney General Ken Paxton sued Allstate AND its telematics subsidiary ARITY, alleging they unlawfully collected, used, and SOLD the driving/cellphone location data of OVER 45 MILLION AMERICANS to insurance companies (including competitors) — the data was reportedly gathered through software embedded in various third-party mobile apps, specifically including LIFE360 (see Consumer Apps tab for that company's own related FTC action). SEPARATE, ONGOING PRIVACY CLASS ACTION (2026): a federal court ordered Allstate to face a lawsuit alleging it used cellphone-tracking data to DENY COVERAGE and INCREASE RATES for drivers nationwide, without adequate consent — this is a live case: on March 3, 2026 the court (In re Allstate & Arity Consumer Privacy Litigation, No. 1:25-cv-00407, N.D. Ill.) denied most of Allstate's motion to dismiss while dismissing three counts (including, per trade reporting, rate-increase theories barred by the filed-rate doctrine except where statutory damages are sought); defendants answered on April 24, 2026, and no trial date has been set.

Fees and billing

Allstate's telematics program ('Drivewise') is among those that RESERVE THE RIGHT TO RAISE RATES based on driving-behavior data (unlike 'discount-only' programs at some competitors — see Nationwide/State Farm row) — meaning enrolling in a usage-based program with Allstate carries genuine downside risk, not just upside discount potential.

Contacts

Privacy contact. Not recorded.

Legal notice. PUBLIC COMPANY (ALL). Service route: c/o General Counsel / Corporate Secretary, Northbrook, Illinois — the corporate address on the SEC Form 10-K cover page is the official address of record. Confirm the exact street address on the current 10-K at sec.gov/edgar, and check the state-of-incorporation registered agent (usually Delaware; most large filers use The Corporation Trust Company or Corporation Service Company) via the Secretary of State business-entity search. A registered agent MUST accept service, which is why it is the reliable channel when a company publishes no privacy address.

Mailing address. Not recorded.

Paper trail: none. No published channel.

Evidence

Claim	Kind	Support	Sources
1. Arity is an Allstate subsidiary.	fact	supported	none recorded
2. Arity paid app developers millions of dollars to embed a tracking SDK in their apps.	fact	supported	none recorded
3. Life360 was one of the apps carrying the SDK.	fact	supported	none recorded
4. GasBuddy, Fuel Rewards and Routely carried the SDK.	fact	unsupported	none recorded
5. The SDK harvested geolocation data.	fact	supported	none recorded
6. The SDK harvested accelerometer, gyroscope and magnetometer readings.	fact	unsupported	none recorded
7. The SDK derived events like acceleration, speeding and distracted driving.	fact	unsupported	none recorded
8. Texas alleges this produced trillions of miles of movement data.	fact	unknown	none recorded
9. The data covered more than 45 million Americans.	fact	supported	none recorded
10. Allstate itself called it the world's largest driving behavior database.	fact	unknown	none recorded
11. Allstate and other insurers used the data to justify raising those people's premiums.	fact	unknown	none recorded
12. Nobody in that chain bought an Allstate product.	characterization	n/a	none recorded
13. Texas AG Ken Paxton filed the suit in January 2025.	fact	unsupported	1 (1 confirmed)
14. It is the first lawsuit a state AG has brought to enforce a comprehensive state privacy law.	fact	supported	none recorded

1 of 14 claims have a confirmed source of their own.

Sources

Source	Claim	Tier	Status	Quote
regulator · 2025-01-13 www.texasattorneygeneral.gov/sites/default/files/images/press/Allstate%20and%20Arity%20Petition%20Filed.pdf	Claim 13	Unassigned	confirmed	“Dated: January 13, 2025” Quote basis: not recorded.

Source vault

Link status: Candidate - not yet fetched

Document	Last fetch	PDF
Privacy policy allstate.com/privacy-center.aspx	Not fetched yet	NO (HTML only)
Terms of service allstate.com/legal-notices.aspx	Not fetched yet	NO (HTML only)
Website allstate.com	Not fetched yet	—
Primary source https://www.texasattorneygeneral.gov/news/releases/attorney-general-ken-paxton-sues-allstate-and-arity-unlawfully-collecting-using-and-selling-over-45 Verification: Verified - primary source confirmed	Not fetched yet	—

Enforcement

No enforcement actions are linked to this row.

State statute

No comprehensive state privacy statute on file for Illinois