Risk evaluation based on vehicle operator behavior

A system comprising:

• a motion sensing module disposed in a vehicle and configured to:
• monitor movements of a vehicle operator inside of the vehicle, and
• generate sensor data indicative of the monitored movements of the vehicle operator;
• an on-board computer of the vehicle configured to:
• pre-process the sensor data to generate data about vehicle operator behavior, at least by identifying a plurality of types of movement of the vehicle operator;
• an interface disposed in the vehicle, the interface connecting the on-board computer to a computing device disposed at a location different from a location of the vehicle;
• and
• the computing device, wherein the computing device is specially configured to:
• retrieve the data about vehicle operator behavior from the on-board computer via the interface,
• cluster the data about vehicle operator behavior into a plurality of groups of data, each of the plurality of groups of data representing a different one of the plurality of types of movement of the vehicle operator,
• determine a numerical level of risk corresponding to each of the plurality of groups of data by executing a learning routine specifically configured to determine the numerical level of risk based on correlations between types of movement of vehicle operators and levels of risk,
• generate an insurance rate for an insurance product, wherein the insurance rate is consistent with the numerical levels of risk corresponding to each of the plurality of groups of data, and
• communicate, via a computer network, insurance costs for the insurance product according to the generated insurance rate to an owner of the insurance product.