Usage-Based Insurance Calculator

Mileage and hard braking are weighted heaviest, at 30% and 25% respectively, because more total time on the road mechanically raises crash exposure and frequent hard braking events are strong behavioral indicators of following too closely or driving distracted, both well-established risk signals telematics programs weight heavily. Night driving is riskier on a per-mile basis but is weighted lower at just 10% here specifically because most drivers accumulate relatively few of their total miles at night, limiting how much it can move the needle for a typical driving pattern.

Each individual factor's score bottoms out at zero and never goes negative, so a driver with an unusually high hard-braking count, for example, caps that factor's penalty at removing its full weighted contribution rather than dragging the whole composite score into deeply negative territory. This means genuinely strong performance in other categories, like low mileage or minimal phone use, can still meaningfully offset one particularly weak area.

No — your driving score and resulting discount tier are calculated purely from the five driving-behavior inputs and have nothing to do with your current premium, which only enters the calculation afterward to convert that percentage discount into an actual dollar savings figure. A driver paying $900 a year and a driver paying $3,000 a year with identical driving habits receive the exact same discount percentage, just different dollar amounts.

No — real insurers build and continuously refine proprietary scoring models using their own claims data, and specific weights, thresholds, and even which factors get tracked at all vary meaningfully between companies and programs. This calculator illustrates the general concept behind usage-based insurance scoring with a representative weighting scheme, useful for understanding how driving habits translate into pricing, but it won't match any specific insurer's actual discount calculation exactly.