Road segment safety rating system

A method comprising:

• at a mobile device comprising at least one processor, at least one network interface, at least one display screen, and at least one non-transitory memory device:
• receiving, by the at least one processor, via a first user interface presented by the at least one display screen, input identifying a first location located along a current road segment being traveled by a vehicle;
• while the vehicle is traveling on the current road segment, determining, by the at least one processor, at the mobile device, a plurality of road segments located between the first location and a second location corresponding to a current location of the vehicle, the plurality of road segments comprising a first series of road segments and a second series of road segments, the first series of road segments corresponding to a first route between the first location and the second location, and the second series of road segments corresponding to a second route between the first location and the second location different from the first route;
• while the vehicle is traveling on the current road segment, receiving, by the at least one processor, at the mobile device, from at least one sensor arranged on the vehicle, driving data associated with operation of the vehicle, the driving data comprising speed data, acceleration data, braking data, and turning data;
• while the vehicle is traveling on the current road segment, analyzing, by the at least one processor, at the mobile device, the driving data received from the at least one sensor arranged on the vehicle to determine at least one driving behavior of an operator of the vehicle comprising one or more of a speed limit observation behavior of the operator of the vehicle, a speed relative to other drivers behavior of the operator of the vehicle, a braking distance behavior of the operator of the vehicle, or a following distance behavior of the operator of the vehicle;
• while the vehicle is traveling on the current road segment, transmitting, by the at least one processor, from the mobile device, to a remote server, the at least one driving behavior of the operator of the vehicle determined from analyzing the driving data received from the at least one sensor arranged on the vehicle at the mobile device;
• while the vehicle is traveling on the current road segment, transmitting, by the at least one processor, from the mobile device, to the remote server, location information identifying the plurality of road segments located between the first location and the second location;
• while the vehicle is traveling on the current road segment, receiving, by the at least one processor, at the mobile device, from the remote server, historical accident data associated with the plurality of road segments located between the first location and the second location;
• while the vehicle is traveling on the current road segment, receiving, by the at least one processor, at the mobile device, from the remote server, traffic volume data associated with the plurality of road segments located between the first location and the second location;
• while the vehicle is traveling on the current road segment, determining, by the at least one processor, at the mobile device, based on the historical accident data received from the remote server, the traffic volume data received from the remote server, the at least one driving behavior of the operator of the vehicle determined from analyzing the driving data received from the at least one sensor arranged on the vehicle at the mobile device, and a direction of travel of the vehicle through each road segment of the plurality of road segments located between the first location and the second location, a safety rating for each road segment of the plurality of road segments located between the first location and the second location;
• while the vehicle is traveling on the current road segment, providing, by the at least one processor, via a second user interface presented by the at least one display screen to the operator of the vehicle, an indication of a safest road segment in the first series of road segments corresponding to the first route between the first location and the second location or in the second series of road segments corresponding to the second route between the first location and the second location based on determining the safety rating for each road segment of the plurality of road segments located between the first location and the second location;
• determining, by the at least one processor, that the vehicle is beginning to travel along a new route corresponding to the safest road segment;
• and
• based on determining that the vehicle is beginning to travel along the new route corresponding to the safest road segment, causing, by the at least one processor, an insurance discount to be provided to the operator of the vehicle while the vehicle is traveling on the new route corresponding to the safest road segment.

One or more non-transitory computer-readable media storing instructions that, when executed by a mobile device comprising at least one processor, at least one network interface, at least one display screen, and at least one non-transitory memory device, cause the mobile device to:

• receive, via a first user interface presented by the at least one display screen, input identifying a first location located along a current road segment being traveled by a vehicle;
• while the vehicle is traveling on the current road segment, determine, at the mobile device, a plurality of road segments located between the first location and a second location corresponding to a current location of the vehicle, the plurality of road segments comprising a first series of road segments and a second series of road segments, the first series of road segments corresponding to a first route between the first location and the second location, and the second series of road segments corresponding to a second route between the first location and the second location different from the first route;
• while the vehicle is traveling on the current road segment, receive, at the mobile device, from at least one sensor arranged on the vehicle, driving data associated with operation of the vehicle, the driving data comprising speed data, acceleration data, braking data, and turning data;
• while the vehicle is traveling on the current road segment, analyze, at the mobile device, the driving data received from the at least one sensor arranged on the vehicle to determine at least one driving behavior of an operator of the vehicle comprising one or more of a speed limit observation behavior of the operator of the vehicle, a speed relative to other drivers behavior of the operator of the vehicle, a braking distance behavior of the operator of the vehicle, or a following distance behavior of the operator of the vehicle;
• while the vehicle is traveling on the current road segment, transmit, from the mobile device, to a remote server, the at least one driving behavior of the operator of the vehicle determined from analyzing the driving data received from the at least one sensor arranged on the vehicle at the mobile device;
• while the vehicle is traveling on the current road segment, transmit, from the mobile device, to the remote server, location information identifying the plurality of road segments located between the first location and the second location;
• while the vehicle is traveling on the current road segment, receive, at the mobile device, from the remote server, historical accident data associated with the plurality of road segments located between the first location and the second location;
• while the vehicle is traveling on the current road segment, receive, at the mobile device, from the remote server, traffic volume data associated with the plurality of road segments located between the first location and the second location;
• while the vehicle is traveling on the current road segment, determine, at the mobile device, based on the historical accident data received from the remote server, the traffic volume data received from the remote server, the at least one driving behavior of the operator of the vehicle determined from analyzing the driving data received from the at least one sensor arranged on the vehicle at the mobile device, and a direction of travel of the vehicle through each road segment of the plurality of road segments located between the first location and the second location, a safety rating for each road segment of the plurality of road segments located between the first location and the second location;
• while the vehicle is traveling on the current road segment, provide, via a second user interface presented by the at least one display screen to the operator of the vehicle, an indication of a safest road segment in the first series of road segments corresponding to the first route between the first location and the second location or in the second series of road segments corresponding to the second route between the first location and the second location based on determining the safety rating for each road segment of the plurality of road segments located between the first location and the second location;
• determine that the vehicle is beginning to travel along a new route corresponding to the safest road segment;
• and
• based on determining that the vehicle is beginning to travel along the new route corresponding to the safest road segment, cause an insurance discount to be provided to the operator of the vehicle while the vehicle is traveling on the new route corresponding to the safest road segment.