Reading into Your OnStar Smart Driver Score

Nov 30, 2016

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Reading into Your OnStar Smart Driver Score

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Learn how you can receive a driving score from OnStar Smart Driver.

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Learn how you can receive a driving score from OnStar Smart Driver.

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OnStar Smart Driver*23a provides driving feedback that helps drivers maximize their vehicle’s performance, drive more safely, save on gas, help reduce wear and tear on the vehicle, and potentially earn insurance discounts. OnStar Smart Driver provides this feedback in the form of an easy-to-read monthly report and an OnStar Smart Driver score.

But what, exactly, does your OnStar Smart Driver score tell you about your driving?

Let’s say you have a monthly OnStar Smart Driver score of 88. In high school, that would have been a B+. Does that mean you are a B+ driver? Then again, maybe this morning you got a trip score of 53. Yikes. What is going on? Here’s the intelligence behind your OnStar Smart Driver score.

How OnStar Smart Driver scores your driving:

Each time you complete a trip in your car, OnStar Smart Driver calculates a score for that trip. Your Smart Driver score is based on behaviors that researchers have found to be linked to increased risk of collisions:

  • Hard braking
  • Distance driven
  • Time of day
  • Day of week

You’ll get four types of scores: trip, daily, weekly, and monthly.

Your trip score is calculated from the time you start and stop driving — and some trips will be inherently more risky than others, even for the most careful drivers. Big-city driving can be unpredictable and require frequent hard braking. And because hard braking events weigh heavily into your trip score, as you can imagine, a big-city trip during rush hour will probably get a lower trip score than a drive down a relatively empty street. Your trip scores may vary widely, and a low score could mean that conditions are less than ideal.

Your daily score includes all trips that occurred during that calendar day from midnight until 11:59:59 p.m. Daily scores aggregate the number of events with overall distance, creating a complete score for the full day. One bad trip score can affect a daily score significantly, but it will have less impact on the weekly and monthly scores.

Your weekly score is compiled based on a rolling seven-day period. It is your overall score for the previous seven days, looking backward from the time of your most recent trip. For example, if you complete a trip on Sunday, January 8 at noon, your weekly score would represent all your trips that have occurred since just after noon on the prior Sunday, January 1.

Your monthly score is the most reliable indicator of how well you are driving. The monthly score on your Smart Driver monthly report is based on each calendar month — your overall score for the most recent full month. (If it is November 3, for example, you will see your monthly score for October, the last full month recorded.) To see your rolling 30-day score, visit your activity page and choose “monthly view” from the drop-down menu.

In addition to your monthly score, your monthly report includes an activity summary. This tells you how many instances of score-impacting events like hard braking occurred, and also instances of events that do not directly affect your score, such as hard acceleration, percentage of time over 80 mph and average mph. You’ll also find tips for boosting your score.

What does your score tell you?

In summary, if you have a score of 88, yes, you might consider yourself a B+ driver — well above average. Unlike a permanent high school grade, though, your OnStar Smart Driver score isn’t permanent. With the regular feedback and tips for improving your score, you can make your OnStar Smart Driver score grow over time. Check how you compare (anonymously) with other OnStar Smart Drivers in your monthly report — you could find yourself among the highest-scoring OnStar Smart Drivers.

Find out if your driving behavior qualifies you for insurance savings.

OnStar Smart Driver has an optional feature that helps you find those savings opportunities without revealing your identity to the insurance companies. You’re in control. To enroll in this optional Insurance Discounts Eligibility feature, look for the link on your OnStar Smart Driver activity page online.