Transportation analytics systems and methods using a mobility device embedded within a vehicle

A computer-implemented method performed by a computing device including at least one processor in communication with at least one memory device and a user mobile device corresponding to a user, the computer-implemented method comprising:

• in response to a user input of a request to initiate a trip via a transportation network using a mobile application executing on the user mobile device, receiving telematics data corresponding to the trip from the user mobile device, the telematics data generated using at least one sensor onboard the user mobile device;
• for each of a plurality of trips including the initiated trip, storing telematics data in a database in association with a trip identifier and a timestamp;
• performing a lookup in the database to identify, based upon the timestamps, telematics data corresponding to at least one trip of the plurality of trips taken during a predefined time period;
• and
• calculating, based upon the identified telematics data for the predefined time period, a transportation cost including a premium amount for an insurance policy covering the user using the transportation network.

At least one non-transitory computer-readable media having computer-executable instructions embodied thereon, wherein when executed by a computing device including at least one processor in communication with at least one memory device and a user mobile device corresponding to a user, the computer-executable instructions cause the at least one processor to:

• in response to a user input of a request to initiate a trip via a transportation network using a mobile application executing on the user mobile device, receive telematics data corresponding to the trip from the user mobile device, the telematics data generated using at least one sensor onboard the user mobile device;
• for each of a plurality of trips including the initiated trip, store telematics data in a database in association with a trip identifier and a timestamp;
• perform a lookup in the database to identify, based upon the timestamps, telematics data corresponding to at least one trip of the plurality of trips taken during a predefined time period;
• and
• calculate, based upon the identified telematics data for the predefined time period, a transportation cost including a premium amount for an insurance policy covering the user using the transportation network.