CLOUD-BASED VEHICULAR TELEMATICS SYSTEMS AND METHODS FOR GENERATING HYBRID EPOCH DRIVER PREDICTIONS

A system comprising one or more processors and one or more non-transitory computer-readable media storing computing instructions that, when executed on the one or more processors, cause the one or more processors to perform operations: receiving telematics data from a mobile device during one or more vehicle trips including a previous epoch for a driver and a current epoch for the driver; generating a previous epoch score for the driver based on the telematics data of the previous epoch for the driver; generating, using a trained machine learning model, a predicted epoch score for the driver based on the telematics data of the current epoch for the driver; generating a hybrid epoch score for the driver from at least portions of the previous epoch score for the driver and the predicted epoch score for the driver; and transmitting the hybrid epoch score for the driver. Other embodiments are described.