Safe Driving Rate Simulator

Explore how driving behavior and speed scoring methodology move a monthly premium around the US market average of $187.00/mo. Rates stay within ±$75.00 of that average — from $112.00 for the safest driver to $262.00 for the riskiest.

Speed Scoring Method

Stricter and more accurate. Also penalizes driving faster than surrounding traffic — while still penalizing any driving over the legal limit.

% of Drive Time Over Posted Limit

Penalty: 5.0 pts (×2.5) · penalized in both modes

2 %
% of Drive Time Faster Than Traffic (Under Limit)

Penalty: 14.0 pts (×2.0) · flow scoring only

7 %
Risk Captured by Flow Scoring

Flow scoring adds 14.0 penalty points that posted-limit scoring misses, pricing this driver $21.00/mo higher — more accurately.

Hard Braking Events per 100 mi

Penalty: 6.0 pts (capped 20)

5 events
High-G Turn Events per 100 mi

Penalty: 4.0 pts (capped 15)

4 events
Location Risk

Contextual flow-speed data availability is highest in urban and freeway corridors, where road-match ambiguity is lowest.

Safe Driving Score

Current Monthly Premium

$155.50/mo

$1,866.00/yr · Prevailing Flow Speed scoring

vs. $187.00/mo US average (−$31.50)

Rate Breakdown
US Average Monthly Premium
$187.00
Over-Limit Adjustment(×2.5 · both modes)
-5.0 pts
Relative-Speed Adjustment(×2.0 · flow only)
-14.0 pts
Braking Adjustment
-6.0 pts
Turn Adjustment
-4.0 pts
Location Adjustment
0 pts
Effective Score(maps to band $112.00–$262.00)
71 / 100
Final Monthly Premium$155.50/mo
Speed Methodology Comparison

Posted Speed Premium

$134.50/mo

Flow Speed Premium

$155.50/mo

Rate Delta

+$21.00

Flow-speed scoring rates this driver $21.00/mo higher by penalizing driving faster than surrounding traffic — risk that posted-limit scoring cannot see.

Portfolio Impact

Across 75,000 Arizona customers, capturing relative-speed risk with flow-speed scoring — while still enforcing the posted limit — generates ~$8,000,000/year in additional margin.