Risk Assessment System For Assessing Current Driver Behavior Relative to Past Behavior and Behaviors of Other Drivers

A risk assessment system comprising:

• a driving behavior comparator module configured to (i) perform comparisons between sets of features and topics for driving behaviors of a plurality of drivers, wherein each of the comparisons is for a same driving location and same or similar driving conditions, and (ii) generate a plurality of anomaly scores for the plurality of drivers based on results of the comparison;
• an assessment module configured to, based on the anomaly scores, determine at least one of a common driving behavior or a trend in the driving behaviors of the plurality of drivers for the driving locations and corresponding ones of the driving conditions;
• and
• a transceiver configured to transmit information regarding the common driving behavior or the trend in the driving behaviors of the plurality of drivers to a target vehicle for at least one of training a driver of the target vehicle or autonomous control of the target vehicle.

A system for a first vehicle, the system comprising:

• a display;
• a plurality of sensors and a global positioning system configured to determine a first plurality of parameters and driving conditions for a location of the first vehicle, wherein the first plurality of parameters indicate at least a current or upcoming location of the first vehicle;
• a transceiver configured to transmit from the first vehicle the first plurality of parameters and driving conditions to a risk assessment server, wherein the risk assessment server is separate from the vehicle;
• wherein the transceiver is configured to, based on the first plurality of parameters and driving conditions, receive information regarding a common driving behavior for a plurality of drivers, wherein the plurality of drivers do not include a first driver of the first vehicle, and wherein the common driving behavior is indicative of an average driving behavior of the plurality of drivers for the current or upcoming location;
• at least one vehicle control module configured to, based on the information regarding the common driving behavior, at least one of (i) train the first driver of the first vehicle, or (ii) autonomously control operation of the first vehicle;
• and
• a feature reporting module configured to, subsequent to the at least one of (i) training the first driver, or (ii) autonomously controlling operation of the first vehicle, determine features and feature distributions based on a second plurality of parameters,
• wherein
• the transceiver is configured to (i) transmit at least one of the features or the feature distributions to the risk assessment server, (ii) receive a risk assessment score for a driver of the vehicle based on the at least one of the features or the feature distributions, and (iii) receive at least one of an insurance rate or a pay rate,
• the at least one of the insurance rate or the pay rate are generated based on the risk assessment score, and
• the at least one vehicle control module is configured to display the risk assessment score and the at least one of the insurance rate or the pay rate on the display.