Abstract: A system for monitoring driver performance includes a server system that generates a performance model based on driver performance related data received from a plurality of vehicles. The performance model mathematically characterizes the crowd wisdom for a driving behavior under a set of driving circumstances. The system also includes the plurality of vehicles, each having an on-vehicle system that compares driver performance related data characterizing the driving behavior performed by the driver of the vehicle under the set of driving circumstances to the performance model so as to determine a deviation score therebetween. The deviation scores for the driving behavior are accumulated over a predetermined period of time, and a divergence indicator is triggered in response to an accumulated deviation score value exceeding one or more predetermined thresholds.