Achieving a Very Low-Risk or 5-star (★★★★★) trip score is the result of safe driving behaviors. A Very Low-Risk score generally requires an absence of any negative behaviors, such as harsh Acceleration, harsh Braking, harsh Cornering, Speeding, or Distraction.
In addition, you must exhibit positive driving behaviors, such as smooth stops and turns, where you display a high proportion of smooth maneuvers out of all the maneuvers during your trip.
For example, a trip with 3 smooth stops out of 12 total stops will reflect a higher risk score than a similar trip with 2 smooth stops out of 3 total stops.
Smooth Events
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Neutral Driving Behavior
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Harsh Events
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| 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 |
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.