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Somehow, HiRoad has flown relatively under the radar, but represents an important experiment by its parent company – State Farm. The largest auto carrier by market share in the country is using Rhode Island – a state where its penetration is low – to try out the fully direct-to-consumer, usage-based carrier. HiRoad launched in late 2017 in the state and has built a full technology stack including data and analytics capabilities from BlueOwl with core insurance systems from EIS Group.