As traffic fatalities continue to rise across the United States, state governments are exploring new ways to reduce dangerous driving behavior, especially among those with a history of excessive speeding. One of the most talked-about solutions is the use of intelligent speed assistance (ISA) devices, which prevent vehicles from exceeding posted speed limits by using GPS-based technology.
What Are Intelligent Speed Assistance Devices?
ISA devices use satellite data to recognize and respond to speed limits in real time. When installed, they prevent a vehicle from accelerating beyond a set threshold, either the legal speed limit or a specific limit ordered by a court. Some models include an override feature for emergencies. When used, that feature notifies authorities and logs the event. A passive version of the technology, which simply warns drivers when they are speeding, is already required in all new cars in the European Union.
Over time, the technology has improved significantly. The increase in satellite coverage and software precision now allows ISA systems to accurately detect and respond to changes in speed zones. In Washington, D.C., fleet vehicles like school buses have been testing the system for years.
Recent Legislative Action
In 2024, Virginia became the first U.S. state to give judges the authority to require ISA devices for high-risk drivers. Washington, D.C., already uses similar tools, and recent legislation in Washington state and Georgia is expected to be signed into law. Lawmakers in New York and California are also considering similar proposals.
A high-profile case in Washington state has helped draw attention to the issue. In March 2024, a teenager driving at 112 mph ran a red light and crashed into a minivan, killing the driver and three children. The new law in that state, known as the BEAM Act, is named for the four victims: Buster, Eloise, Andrea, and Matilda. Under the BEAM Act, repeat speed offenders who seek to have their licenses reinstated would be required to install an ISA device.
Supporters of the law argue that it is more effective than simply suspending a license. Studies suggest that about 75 percent of people with suspended licenses continue to drive illegally.
Support from Industry and Advocates
Several technology companies that previously supported ignition interlocks for DUI offenders are now backing ISA legislation. Companies like Smart Start and LifeSafer believe ISA offers a proactive way to prevent reckless driving. These systems do not just respond to violations after they occur; they stop them from happening in the first place.
Victims’ advocacy groups, such as Families for Safe Streets, are also pushing for wider adoption of the technology. Many of their members have lost loved ones in speeding-related crashes and now work to turn those tragedies into policy change.
Cost and Implementation Details
The cost to install and operate an ISA device is estimated at $100 for installation and $4 per day. Lawmakers are considering subsidies for low-income individuals to ensure broader access. At the federal level, there is ongoing debate about whether states can mandate safety technologies independently, which was part of the reason California’s governor vetoed a similar bill in 2023.
Still, many believe a consistent national standard could emerge if ISA technology continues to gain traction at the state level.
What Insurance Agents Should Know
For insurance agents, the growing use of ISA devices raises important points to consider:
- Client risk profiles may improve for drivers who are required to use ISA devices, which could influence underwriting decisions.
- Policy options may expand as insurers begin offering discounts or tailored coverage to drivers using speed-limiting devices.
- Client support may include helping policyholders understand ISA-related legal and technical requirements, especially in states with new mandates.
- Claims insights could improve with access to speed and override data from ISA systems, offering clearer context for accident investigations.
Moving Toward Safer Roads
ISA technology represents a shift toward prevention rather than punishment. As more states consider these laws, insurance professionals will need to stay informed about legal developments, technological capabilities, and potential changes to risk assessment practices. By understanding how ISA systems work and where they are being implemented, agents can better support clients and contribute to broader road safety goals.