The FICO Safe Driving Score is a predictive score based on your driving behavior. 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 affects your score. You can view your data at any time in the app to see how your trips are affecting your scores and your risks of a collision.
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 Behavior Ribbon reflects a color-rating for your risk level and in each of the scorable categories: Acceleration, Braking, Cornering, Distraction, Speeding, and Eco.
Events captured during your trip contribute to the ratings in each of these areas and your overall FICO Safe Driving Score.
Not every driving behavior 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 behavior take place?
- Severity – how risky was it?
For example, a driver traveling 50 mph / 80 km/h and interacting with their device for 5 minutes several times throughout their trip will be scored more harshly than a driver traveling 15 mph / 25 km/h interacting with their device for 10 seconds one time throughout their trip.
A FICO Safe Driving Score at or above 710 represents Low- and Very Low-Risk ratings. Drivers at these levels are 30% less likely to be involved in a future collision as compared to drivers who maintain Medium-, High-, or Very High-Risk scores.