Achieving a "Very Low Risk" or ★★★★★ trip score is the result of the very best (safest) driving behaviors. A "Very Low Risk" score generally requires an absence of any negative behaviors, such as hard braking, hard cornering, hard acceleration, speeding, or phone distraction.
In addition, in order to achieve a great score, you must exhibit positive driving behaviors, such as smooth stops and turns — where there is a high proportion of these smooth maneuvers out of all the maneuvers during the trip.
The algorithm will record and categorize all maneuvers such as starts, stops, and turns irrespective of the specifics of a given route, and incorporates this information into the calculation of the FICO® Safe Driving Score. All else held equal, the more smooth maneuvers in a trip, the better. The scoring algorithm will take into account the proportion of these smooth maneuvers (out of all maneuvers of a similar type).
For example, a trip with 3 smooth stops out of 12 stops total will generally score lower than a similar trip with 2 smooth stops out of 3 total.
A list of available Trip/FICO® Safe Driving Score risk ratings is shown below: