How Driver Score v1 reads your driving record

The formula

Driver Score v1 is calculated only from the motor vehicle record. The steps below use the same constants as the scoring engine.

1. 1. Start at 100Every score begins at 100 before the driving record is applied.
2. 2. Subtract violation penaltiesEach violation contributes its base penalty times a recency multiplier. The violation subtotal is capped at 100. That cap does not include suspensions.
3. 3. Subtract active suspensionsEach active suspension subtracts 30 score points. A suspension counts as active when it has no reinstatement date, or when that date is still in the future.
4. 4. Add clean-time creditAfter at least 12 calendar months since the newest dated violation, the score adds 2 points per full year, up to 10.
5. 5. Round and clampThe result is rounded to the nearest whole number and kept between 0 and 100. The violation penalty stored beside the score is rounded to one decimal. The final score uses the penalty before that display rounding.

Violation tiers

These are base score points, before recency. They are not the point values on a state DMV point system. Severity comes from how the violation on the motor vehicle record is classified.

• minor

  2 points

  Non-moving items such as equipment, paperwork, and parking. This is also the default when a violation is not classified as moderate, major, or critical.

• moderate

  8 points

  Common moving violations, including speeding the classifier treats as moderate, failure to yield, lane violations, and distracted driving.

• major

  20 points

  Reckless or careless driving, driving on a suspended or revoked license, and speeding the classifier treats as major.

• critical

  40 points

  DUI or DWI, hit-and-run, vehicular manslaughter or homicide, and similar high-harm offenses.

Recency

Age is a difference in calendar months (year and month only, not the day). The first matching window below is the one the engine uses.

• 0 to 12 calendar months ago1.5× (150% of the base penalty)
• 13 to 24 calendar months ago1.2× (120% of the base penalty)
• 25 to 36 calendar months ago1× (100% of the base penalty)
• More than 36 calendar months ago0.5× (50% of the base penalty)

A violation with no date uses the multiplier for 13 to 24 calendar months ago (1.2× (120% of the base penalty)). Undated violations do not set the clean-time clock. If every violation is undated, or the record has no violations, clean-time credit is the maximum of 10.

Clean-time credit

• No violations on the record: +10.
• Newest dated violation is under 12 calendar months ago: +0.
• Otherwise: full years since that violation, times 2, capped at 10.

Confidence

Confidence is not a second score. It reports how many of these driving-record fields are present: License number, License state, License status, Full name, Date of birth.

• High

  Completeness at or above 90%. High - Checked driving-record fields meet the high completeness threshold. With 5 checked fields, that means every field is present, because 4 of 5 is 80%, which is below the high threshold.

• Medium

  Completeness at or above 60% and below the high threshold. Medium - Checked driving-record fields meet the medium completeness threshold.

• Low

  Completeness below 60%. Low - Checked driving-record fields are below the medium completeness threshold.