Freight vehicles carrying highway cargo transportation is a key transportation link in the cargo supply chain,and has a close correlation with the operation of China's national economy,the convergence of industrial chain,and the improvement of the living standard of the residents.The high-speed traffic data of freight vehicles is the information record that can record the main driving behavior of freight vehicles.In terms of auto insurance pricing,the high-speed traffic data of freight vehicles can help insurance companies to improve the actuarial pricing of auto insurance for freight vehicles,which helps to improve the profitability of insurance companies.The main research direction of this paper focuses on the micro aspect of data application,i.e.,the application of high-speed traffic data of freight vehicles in freight vehicle insurance scenarios.