FICO and eDriving Release V2.0 of the FICO Safe Driving Score

Leveraging data from over 1.3 million trips per month, the new version better predicts future collisions and offers drivers micro-coaching following every trip.

(Image source: eDriving.)

Analytics software firm, FICO (San Jose, Calif.) and its partner eDriving (Cape May Court House, N.J.), a global driver risk management solutions vendor, have released the latest version of the FICO Safe Driving Score in eDriving’s smartphone-based driver risk management solution, Mentor by eDriving. FICO Safe Driving Score 2.0 has been optimized to better predict the likelihood of future collisions, enabling fleet managers to more effectively mitigate risk, lower costs, and keep drivers safe according to a joint announcement.

The vendors report that the FICO Safe Driving Score 2.0 has been fine-tuned to the specific needs and requirements of fleet safety management programs. Following validation of its predictive ability using a large-scale, naturalistic driving data set from the Strategic Highway Research Program 2 (SHRP 2) study, the latest version better enables fleet safety managers to recognize, encourage and ensure a safer driving experience by identifying with an 18 percent improvement in predictive accuracy, drivers who are “high risk,”—those who are 30 percent more likely, on average, to be involved in a future collision—versus those classified as “low risk.”

Rachel Bell, VP, Scores and Analytics, FICO.

“We designed the latest FICO Safe Driving Score to take an even deeper look at driving behaviors in order to improve the ability to predict driver risk. As we continue to innovate the FICO Safe Driving Score to be the industry standard, our goal is to provide transparent and valuable insights to keep all drivers safe,” comments Rachel Bell, VP, Scores and Analytics, FICO.

Predicting Future Driving Incidents

Leveraging telematics-based driving data from eDriving’s Mentor app, the FICO Safe Driving Score predicts the likelihood of future driving incidents by evaluating behaviors proven to be most predictive of crash risk, including acceleration, braking, cornering, speeding and cellphone distraction. After each trip, drivers receive both their FICO Safe Driving Score, as well as instant feedback providing pointers on how to improve in the future. Each driver also receives 3- to 5-minute coaching modules to help improve identified “at risk” behaviors and attitudes. This insight allows fleet managers and drivers to address driving behaviors that need improvement, as well as acknowledge behaviors that deserve positive recognition, according to FICO and eDriving.

“By offering immediate feedback after a trip, we’re providing drivers and managers with the insights and tools they need to continually improve their behavior behind the wheel,” comments Ed Dubens, founder and CEO, eDriving. “Working with a leading analytics company like FICO who consistently innovates the FICO Safe Driving Score model to provide the best possible picture of evaluating driver risk is ideal. It helps us achieve our goal of ensuring all drivers return safely to their loved ones at the end of each day.”

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Anthony R. O’Donnell // Anthony O'Donnell is Executive Editor of Insurance Innovation Reporter. For nearly two decades, he has been an observer and commentator on the use of information technology in the insurance industry, following industry trends and writing about the use of IT across all sectors of the insurance industry. He can be reached at or (503) 936-2803.

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