A method operating a telematics device of a vehicle can include: requesting identity (ID) information of a driver from a driver terminal when the driver enters the vehicle; performing an authentication process using the ID information; preventing start-up of an engine of the vehicle when the driver is identified as a temporary user according to the authentication process; receiving navigation data including information relating to a destination from the driver terminal; acquiring information indicating an estimated insurance fee corresponding to each of one or more paths for navigating to the destination; transmitting the information indicating the estimated insurance fee to the driver terminal; and starting the engine when one of the one or more paths for navigating to the destination is selected by the driver terminal.