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To report an odometer reading, follow the deadline, evidence rules, and submission method given by your insurer or broker. There is no single procedure that applies to every insurer or jurisdiction. Check whether the request is for a one-time mileage reading or enrollment in ongoing usage-based insurance (UBI), then submit the reading and proof in the format requested.
How to submit an odometer reading
- Read the insurer’s request. Identify whether it asks for a one-time reading for a discount or rating calculation, or asks you to participate in ongoing UBI or telematics tracking.
- Confirm the requirements. Check the due date, any required date range for the reading or proof, the accepted submission channel, and permitted file or document types. Ask your insurer or broker to clarify anything that is unclear.
- Record the display accurately. Read the odometer directly and enter the digits as displayed. Follow the insurer’s directions on units, decimals, leading zeros, or rounding; do not estimate or round if it asks for the actual reading.
- Provide acceptable evidence. If a photo is allowed, make sure the display is clear and legible. Check whether the insurer also requires a date or identifying information, and keep a copy of what you submit.
- Keep confirmation. Save the submission confirmation and any supporting records in case you need to follow up.
- Contact the insurer about a problem. If you missed the deadline or the odometer is broken, ask the insurer or broker what to do. Deadlines and consequences vary; the available sources do not establish a universal penalty, coverage consequence, or right to a retroactive discount.
What an ICBC submission in British Columbia requires
ICBC provides a specific example, not a rule for other insurers. In British Columbia, if a customer could not provide an odometer reading at purchase or renewal, ICBC allows a later submission online or through a broker. For its usage-based discount, the evidence must be dated within the seven-day window around the policy purchase or renewal date. Accepted evidence includes a clear, legible odometer photo and certain service or vehicle documents. The odometer must work, and the customer enters the reading without decimals. See ICBC’s odometer submission instructions for its current requirements.
ICBC also says it retains a submitted first reading until another is submitted a year later. Its proof options, timing, and record-retention practice are specific to this program; do not assume another insurer uses the same rules.
Does reporting a reading mean your insurer tracks your driving?
Not necessarily. A one-time odometer report is a manual submission of a reading. Telematics or UBI can instead use a mobile app, a plug-in device, or a vehicle’s built-in system to collect data over time. A one-time report alone does not establish that you have enrolled in continuous tracking.
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ANCEL AD310 Classic Enhanced Universal OBD II Scanner Car Engine Fault Code Reader CAN Diagnostic Scan Tool, Read and Clear Error Codes for 1996 or Newer OBD2 Protocol Vehicle (Black)
- CEL Doctor: The ANCEL AD310 is one of the best-selling OBD II scanners on the market and is recommended by Scotty Kilmer, a YouTuber and auto mechanic. It can easily determine the cause of the check engine light coming on. After repairing the vehicle's problems, it can quickly read and clear diagnostic trouble codes of emission system, read live data & hard memory data, view freeze frame, I/M monitor readiness and collect vehicle information
- Sturdy and Compact: Equipped with a 2.5 foot cable made of very thick, flexible insulation. It is important to have a sturdy scanner as it can easily fall to the ground when working in a car. The AD310 OBD2 scanner is a well-constructed mechanic tool with a sleek design. It weighs 12 ounces and measures 8.9 x 6.9 x 1.4 inches. Thanks to its compact design and light weight, transporting the device is not a problem. The buttons are clearly labelled and the screen is large and displays results clearly
- Accurate Fast and Easy to Use: The AD310 scanner can help you or your mechanic understand if your car is in good condition, provides exceptionally accurate and fast results, reads and clears engine trouble emission codes in seconds after you fixed the problem. This device will let you know immediately and fix the problem right away without any car knowledge. No need for batteries or a charger, get power directly from the OBDII Data Link Connector in your vehicle
- OBDII Protocols and Car Compatibility: Many cheap scan tools do not really support all OBD2 protocols. AD310 scanner as it can support all OBDII protocols such as KWP2000, J1850 VPW, ISO9141, J1850 PWM and CAN. This device also has extensive vehicle compatibility with 1996 US-based, 2000 EU-based and Asian cars, light trucks, SUVs, as well as newer OBD2 and CAN vehicles both domestic and foreign. Pls confirm with our customer service whether it is compatible with your vehicle before purchasing
- Home Necessity and Worthy to Own: This is an excellent code reader to travel or home with as it weighs less and it is compact in design. You can easily slide it in your backpack as you head to the garage, or put it on the dashboard, this will be a great fit for you. The AD310 is not only portable, but also accurate and fast in performance. Moreover, it covers various car brands and is suitable for people who just need a code reader to check their car
The National Association of Insurance Commissioners (NAIC) says telematics data can include mileage, time of day, location, acceleration, braking, cornering, and airbag deployment. Mileage-based pricing can relate costs more closely to vehicle use and driving behavior, but a discount is not guaranteed: the program’s eligibility rules and rating formula determine the result. State rules and data practices vary, and NAIC says many states require insurers to obtain approval for new rating plans. See the NAIC overview of telematics and its consumer auto insurance information.
What to check before opting into a tracking program
Before agreeing to ongoing data collection, review the program’s terms and ask the insurer:
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MOTOPOWER MP69033 Car OBD2 Scanner Code Reader Engine Fault Scanner CAN Diagnostic Scan Tool for All OBD II Protocol Cars Since 1996, Yellow
- Multi-Functions - Practical Multi-Functions OBD2 code reader features built-in OBD2 DTC lookup library, which help you to determine the cause of the engine light, read code, erase code, view freeze frame, I/M ready, vehicle information, data flow, real-time curve, get vehicle speed information, calculate load value, engine coolant temperature, get engine speed.
- Wide Capability - Supports 9 protocols compatible with most 1996 US-Based, 2000 EU-Based and Asian cars, and newer OBD II & CAN domestic or import vehicles. Supports 6 languages - English,German, Dutch, Spanish, French, Italian.
- 2.8" LCD Display - Designed with a clear display 2.8" Large LCD screen - white backlight and contrast adjustment. No need any battery or charger, OBD reader gets the power directly from your vehicle through the OBDII Data Link Connector.
- Compact Design - Car diagnostic scanner is equipped with a 2.5 feet long cable and made of a very thick flexible insulator.There are 6 buttons on OBD2 Scanner:scroll up/down,enter/exit and buttons that quick query VIN vehicle number& the DTC fault code.
- ABS / Airbag codes NOT Supported - It is able to read and clear check engine information which is part of OBDII system, but it cannot work with non-OBDII systems, including ABS / Airbag / Oil Service Light, etc.
- What information does the app, device, or connected-car system collect?
- Does pricing use distance alone, or driving behaviors and location as well?
- How does the data affect the premium, and can the premium increase?
- How long is the data retained, who can access it, and whether it is shared?
- Is participation optional under this policy and in your jurisdiction?
- What happens if the app or device stops reporting?
- What are the program’s eligibility rules, discount limits, and submission obligations?
NAIC’s consumer guidance puts the central question plainly: “Know exactly what driving data is collected and used by your insurer to determine your UBI premium.” Read its September 8, 2021 explanation of usage-based insurance before deciding whether a program’s trade-offs suit you.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How connected-car data may reach insurers
Some driving data may be shared through a vehicle manufacturer’s services rather than a separate insurance device. The Consumer Financial Protection Bureau identifies Connected Analytic Services (CAS) as a company that collects and reports driving-behavior data to insurers. The CFPB says CAS will not have data for a vehicle unless the consumer opted to share it through the manufacturer’s mobile app or another manufacturer-authorized process. This describes CAS, not every insurer or vehicle. Details are on the CFPB’s CAS page.
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FOXWELL NT301 OBD2 Scanner Live Data Professional Mechanic OBDII Diagnostic Code Reader Tool for Check Engine Light
- 【Diagnose Check Engine Light in Seconds – No Mechanic Needed】The FOXWELL NT301 OBD2 scanner instantly reads & clears engine fault codes (DTCs) with one click. Simply plug into the 16-pin DLC port, turn ignition on, and get accurate results within seconds—No prior car knowledge required. Save hundreds on dealership fees by knowing exactly what’s wrong before you visit a shop. The #1 choice car scanner for DIYers and car owners who want to take control of their vehicle’s health
- 【Clear & Reset CEL with Confidence】Unlike cheap code readers that just erase codes temporarily, NT301 works like all professional vehicle code readers: It clears the check engine light only after you’ve fixed the underlying issue. If the problem isn’t fully repaired, the fault code will reappear. So you’ll never get a false pass. Use the foxwell scanner to verify your repair work and drive with peace of mind
- 【Sm-og Check Helper – Know Your Pass/Fail Status Before the Test】With dedicated one-click I/M readiness hotkeys and a simple Red-Yellow-Green LED indicator, you’ll instantly know if your vehicle is ready for annual testing. Built-in speaker provides clear audio feedback. No guesswork—just confidence before you head to the test center. One less thing to worry about when inspection day comes
- 【Advanced OBDII Modes – O- 2 Sensor & EVAP Testing】NT301 go beyond basic code reading with enhanced OBD2 modes. Run an EVAP system check to assess fuel tank condition, and use the O- 2 sensor test to optimize air-fuel ratio, boosting fuel economy, cutting em- issions, and saving you money at the pump. The code reader for cars and trucks is like having a mini em-issions lab in your glove box
- 【Live Data Graphing – Spot Engine Issues in Real Time】View and log live sensor data in easy-to-read graphs with this OBD2 scanner diagnostic tool. Monitor ox- ygen sensors, fuel trims, coolant temperature, RPM, and more to spot suspicious values instantly. This obd scanner gives you professional-grade insight without the pro price tag—a feature you won’t find on basic $20 car code readers
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VDIAGTOOL VD10 OBD2 Scanner Check Engine Code Reader Car Diagnostic Tool
- 【A MUST-HAVE SCANNER TOOL FOR DIYERS】 - VDIAGTOOL VD10 car code reader is an incredibly useful, handheld obd2 scanner for each car owner or hobbyist, even for those with little to no experience when it comes to vehicle mechanics! Similar to a fixd car diagnostic tool, using this car diagnostic scanner is extremely easy. All you have to do is attach it to your car OBDII port and you can diagnose car problems in seconds! Read Codes (DTCs); Clear Codes; Live Data; View Freeze Frame; I/M Readiness; Vehicle Information.
- 【KEEP ENGINE IN GOOD STATUS】 - VDIAGTOOL check engine code reader brings a fast access to scan, read the car fault code, show its definition on the screen instantly, troubleshooting to find the root causes of problems, erase the engine fault code and turn off the MIL (Malfunction Indicator Light). Similar to a fixd car diagnostic tool, this car code reader helps ensure your engine stays in top condition.
- 【READ/CLEAR CODES & DTC LOOKUP】- No search online & saving your time, this vehicle car code reader retrieves generic (P0, P2, P3, and U0), manufacturer specific (P1, P3, and U1) codes, pending codes and displays DTC definitions based on the built-in database(more than 3000 codes) on the TFT screen, find out the root causes and clear the codes after fixed.
- 【ENHANCED OBD2 SCANNER WITH LIVE DATA & RETRIEVE FREEZE FRAME】 - This diagnostic scan tool for accurate diagnosis enables you to retrieve data from vehicle sensors, such as Engine RPM, Intake air temperature, Short/Long term fuel, Misfire data and etc. The freeze frame is stored in the PCM together with the diagnostic trouble code (DTC) related to the fault. Comparable to a fixd car diagnostic tool, the VD10 car code reader car scanner can be a valuable & practical diagnostic aid and also greatly help when diagnosing intermittent problems.
- 【I/M READINESS for THE S-nn-0-g CHECK】- OBDII vehicle may not pass the annual inspection unless the required monitors since reset are complete. So you should at least read the readiness monitors and make sure they are ready. This car obd2 scanner diagnostic tool is equipped with I/M readiness function to check the operations of the e-m-issi0n system on OBD2 compliant vehicles, run I/M monitor readiness test, checking if the pass vehicle s-m-0-g inspection.
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ANCEL AD410 Enhanced OBD2 Scanner, Vehicle Code Reader for Check Engine Light, Automotive OBD II Scanner Fault Diagnosis, OBDII Scan Tool for All OBDII Cars 1996+, Black/Yellow
- Understand Your Check Engine Light – The ANCEL AD410 OBD2 scanner helps everyday drivers quickly read and clear engine-related fault codes, view code definitions, and understand why the check engine light is on before visiting a repair shop. With 42,000+ built-in DTC lookups, this car code reader helps reduce guesswork and makes basic vehicle diagnostics easier for beginners and DIY users
- Full OBD2 Diagnostics Made Simple – More than a basic engine code reader, this OBD2 scanner diagnostic tool supports key OBDII functions including reading/clearing codes, live data, freeze frame, I/M readiness, O2 sensor test, EVAP test, vehicle information, and MIL status. It helps you check your car’s condition, verify repairs after the issue is fixed, and communicate with mechanics more confidently
- Live Date & Real-time Vehicle Insights – View real-time engine data such as RPM, coolant temperature, fuel trim, oxygen sensor readings, and other available OBD2 parameters directly on the screen. These live data readings help you better understand how your vehicle is running, spot abnormal patterns, and make more informed repair decisions instead of relying only on a warning light
- Smog Check Readiness At A Glance – Use the I/M readiness function before a smog check or emissions inspection to see whether your vehicle’s monitors are ready. This OBD2 code scanner helps you confirm if recent repairs have brought the system back to a ready state, reducing the chance of failed inspections, retests, wasted trips, and unnecessary inspection fees
- Works With Most OBD2 Vehicles – Compatible with most 1996 and newer U.S.-based OBD2 cars, SUVs, and light trucks, as well as many 2000 and newer EU/Asian OBD2 vehicles. Supports major OBDII protocols including CAN, ISO9141, KWP2000, J1850 VPW, and J1850 PWM. This automotive diagnostic scanner is designed for wide vehicle coverage; please check compatibility with your vehicle before purchase
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
