Abstract: A method and system are provided for providing insurance pricing. The method includes acquiring data associated with a vehicle, a roadway, an environment, acquiring data regarding the driver, encrypting the data, transmitting the data, and determining a risk based on the data associated with the vehicle, the roadway, the environment and the driver, and determining an insurance premium price based on the risk, wherein the insurance premium price is in units of price per unit time or price per unit distance.

Abstract: Disclosed are systems and methods for assessing the relative probability that a driver will receive a traffic citation as a function of real-time, monitored vehicle activity within the context of historic spatial and temporal traffic citation data. Exemplary systems and methods determine risk as a function of such factors as (1) local roadway ticket histories, (2) vehicle characteristics, (3) real-time vehicle and engine operating parameters, (4) roadway and intersection design configurations, speed limit and design speed conflicts, and operating conditions, and (5) environmental conditions, for example.