Insurance industry world over has been thriving on the fundamental of assessing future events and measuring the Risk of these events; volume, velocity, veracity and variety of large data sets has become an essential tool for insurers. Nowadays, with new data sources such as telematics, sensors, government agencies, customer interactions and social media, the opportunity to utilize big data is more meaningful across new areas of Insurance industry. Over the past decade, revolutionary advances in computing technology and the explosion of new digital data sources have grown many folds and reinvented the core disciplines of insurers. Today’s Advanced Analytics in insurance industry push far beyond the boundaries of traditional actuarial science which has surely impacted underwriting in personal auto insurance. Instead of relying only on internal data sources such as loss histories, which was the earlier norm, auto insurance companies started to incorporate behavior-based credit scores from credit bureaus into their analysis when they became aware of factual evidence that people who pay their bills on time are also safer drivers. While the use of credit scores in private-auto-insurance underwriting has been a contentious issue for the industry with consumer groups, the addition of behavioral and third-party sources was a significant leap forward from the claims histories, demographics, and physical data that insurers analyzed in the past.