Systems and methods to quantify and differentiate individual insurance risk based on actual driving behavior and driving environment

A computer system for determining a real-time operating environment of a vehicle driver, the system comprising:

• at least one computing device having a processor and a memory;
• a client device having a client device application, stored on a memory of the client device, that, when executed by a processor of the client device, causes the processor of the client device to generated a user interface display on a display device of the client device and to receive, from a user of the client device via the user interface display on the display device of the client device, a selection of what vehicle sensor data to collect from a vehicle on-board diagnostic port, a selection of what driver environment data to collect, an association of the client device with an insurance policy, an association of the client device with a remote server, and a content of an insurance data file stored on the client device;
• a vehicle sensor module, stored on the memory of the computing device, that, when executed by the processor of the computing device, causes the processor to receive vehicle sensor data from at least one vehicle sensor, via the vehicle on-board diagnostic port, based on the selection, by the user via the user interface display of the client device, of what vehicle sensor data to collect, wherein the vehicle sensor data is representative of actual operation of a vehicle;
• a vehicle operator environment data acquisition module, stored on the memory of the computing device, that when executed by the processor of the computing device, causes the processor to receive driver environment data from at least one position sensor, wherein the driver environment data is representative of at least one of:
• a position of a driver-side seat, a position of a passenger-side seat, or a position of a steering wheel;
• a vehicle operator environment monitoring module, stored on the memory of the computing device, that, when executed by the processor of the computing device, causes the processor to determine a real-time operating environment of the driver based on the received driver environment data and the received vehicle sensor data, and to generate at least one of:
• driver warning data or driver advisory data based on the determined real-time operating environment;
• and
• a driver warning and driver advisory data transmission module, stored on the memory of the computing device that, when executed by the processor of the computing device, causes the processor to transmit at least one of:
• the driver warning data or the driver advisory data, to the processor of the client device, wherein at least one of:
• a driver warning based on the driver warning data or a driver advisory based on the driver advisory data is displayed to the driver via the user interface of the client device.

A non-transitory, computer-readable medium storing instructions that, when executed by a processor of a computer system, cause the processor to determine a real-time operating environment of a vehicle driver, the computer-readable medium comprising:

• a client device having a client device application, that, when executed by a processor of the client device, causes the processor of the client device to generate a user interface display on a display device of the client device and to receive, from a user of the client device via the user interface display on the display device of the client device, a selection of what vehicle sensor data to collect from a vehicle on-board diagnostic port, a selection of what driver environment data to collect, an association of the client device with an insurance policy, an association of the client device with a remote server, and a content of an insurance data file stored on the client device;
• a vehicle sensor module that, when executed by the processor of the computing device, causes the processor to receive vehicle sensor data from at least one vehicle sensor, via the vehicle on-board diagnostic port, based on the selection, by the user via the user interface display of the client device, of what vehicle sensor data to collect, wherein the vehicle sensor data is representative of actual operation of the vehicle;
• a vehicle operator environment data acquisition module that, when executed by the processor of the computing device, causes the processor to receive driver environment data from at least one position sensor, wherein the driver environment data is representative of at least one of:
• a position of a driver-side seat, a position of a passenger-side seat, or a position of a steering wheel;
• a vehicle operator environment monitoring module, that, when executed by the processor of the computing device, causes the processor to determine a real-time operating environment of the driver based on the received driver environment data and the received vehicle sensor data, and to generate at least one of:
• driver warning data or driver advisory data based on the determined real-time operating environment;
• and
• a driver warning and driver advisory data transmission module that, when executed by the processor of the computing device, causes the processor to transmit at least one of:
• the driver warning data or the driver advisory data, to the processor of the client device, wherein at least one of:
• a driver warning based on the driver warning data or a driver advisory based on the driver advisory data is displayed to the driver via the user interface of the client device.