The FICO Safe Driving Score is a predictive score that is used to assess collision risk based on each driver’s measured driving behaviors — Acceleration, Braking, Cornering, Distraction, and Speeding.
In addition to measuring risky behaviors, Mentor also gathers data on positive events such as smooth Acceleration, Braking, and Cornering. These positive factors increase a driver’s score. This combination of positive and negative behaviors, along with the distance traveled, are data factored into the FICO Safe Driving Score.
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-, and Very High-Risk scores.
Note: Only driver behaviors are used in the FICO Safe Driving core calculation — no credit data is used in compiling the score.