CHARLOTTE, N.C. — A lot like your credit score, a new factor called a drive score is tracking how you drive, according to a report from the New York Times. 

Unlike a credit score, a drive score can be more difficult to find. Many drivers don’t know they have one but insurance companies can get a hold of it easily. 

The advanced technology in cars and smartphones makes it easier for insurers to track driving habits, according to the report.

Companies previously tracked how hard you brake or how fast you drive by asking your permission. Now they’re using the apps already on your phone to track you, the report found. Popular apps like Life 360, My Radar and Gas Buddy are said to be recording driver behavior, according to the report.

Depending on how you drive, the data can affect how much you pay for auto insurance. The Associated Press found the price hikes have been beneficial for insurers, who are now reporting surging profits. Economists expect bigger leaps in 2024, according to the AP.

Progressive’s profit jumped 50% last year, according to the AP. The report also adds auto insurance rates are up 22% from a year ago.