The FICO Safe Driving Score is constructed to provide a comprehensive and objective assessment of driver risk, drawing from variables across five fundamental categories: Acceleration, Braking, Cornering, Distraction, and Speeding. However, not all categories carry equal weight in determining the final score.
Although specific algorithms cannot be disclosed, extensive empirical analyses conducted on millions of trips have revealed that acceleration and braking behaviors typically exert the most significant influence on the score. Following closely behind are other negative behaviors such as speeding and distraction.
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.