Percentile charts for speeding based on telematics information.

Area of Science:

• Road safety
• Transportation analytics
• Risk assessment

Background:

• Reference charts are standard for monitoring child growth.
• A similar graphical approach is needed for assessing driving risk.

Purpose of the Study:

• To develop and illustrate percentile charts for driving risk, specifically focusing on speeding behavior.
• To assess the influence of driver characteristics and journey details on speeding risk.

Main Methods:

• Utilized telematics data from drivers with Pay-How-You-Drive insurance policies.
• Employed quantile regression models to estimate percentiles of distance driven at speeds exceeding the legal limit.
• Developed "percentile charts for speeding" as a novel graphical tool.

Main Results:

• Percentiles of excessive speeding were found to depend on total distance driven, urban driving percentage, and driver gender.
• The influence of these factors on speeding risk percentiles was not uniform.
• The methodology effectively represents and scores individual driving risk related to speeding.

Conclusions:

• Heterogeneity in speeding risk can be visualized and managed using percentile charts.
• Individual driver risk scores can be calculated and tracked over time with accumulated driving experience.
• This approach offers potential for accident prevention and real-time safety recommendations in insurance contexts.