The FICO® Safe Driving Score is a predictive score based on your driving behaviour. The higher your FICO® Safe Driving Score, the lower the risk you will be involved in a future collision.
|
★★★★★ |
800-850 |
Very Low Risk |
|
★★★★ |
710-799 |
Low Risk |
|
★★★ |
560-709 |
Medium Risk |
|
★★ |
500-559 |
High Risk |
|
★ |
100-499 |
Very High Risk |
Your FICO® Safe Driving Score reflects all your scorable Trips in a rolling 7-day window. Each new Trip and each new day directly affect your score and you can view those changes in Mentor.
Each scorable Trip reflects a star rating of 1 to 5 stars. Your rolling 7-day FICO® Safe Driving Score indicates your overall Risk level:
|
Trip Rating |
Risk Level Band |
FICO® Safe Driving Trip Score |
|
★★★★★ |
Very Low Risk |
Individual Trips do not receive a numeric score. They do contribute to your overall FICO® Safe Driving Score.
|
|
★★★★ |
Low Risk |
|
|
★★★ |
Medium Risk |
|
|
★★ |
High Risk |
|
|
★ |
Very High Risk |
The Behaviours Ribbon reflects a colour-rating for your overall risk level and in each of the scorable categories: Acceleration, Braking, Cornering, Distraction and Speeding.
Events captured during your Trip contribute to the ratings in each of these areas and your FICO® Safe Driving Score.
Not every driving behaviour is created equal, so not every Event is scored equally. Several components are considered, including the following:
- Frequency – how often did it happen?
- Duration – how long did this behaviour take place?
- Severity – how risky was it?
For example, a driver travelling at 50 mph and interacting with their device for 5 minutes several times throughout their trip will be scored more harshly than a driver travelling at 15 mph interacting with their device for 10 seconds once throughout their trip.
A FICO® Safe Driving Score at or above 710 represent Low and Very Low Risk ratings. Drivers at these levels are 30% less likely to be involved in a future collision compared to drivers who maintain Medium, High or Very High Risk scores.