PERSONALIZED DRIVING RISK MODELING AND ESTIMATION SYSTEM AND METHODS

Systems and methods in accordance with aspects of this disclosure may be provided to determine and calculate an overall driving risk index value corresponding to a driver and scene configuration. The overall driving risk index value may provide driving risk modeling and estimation at a personalized driving level. In some cases, the overall driving risk index value may be determined using a risk-predictive modeling system with weighting and machine learning and may include one or more of: a driver score system, a driver-contextual risk score system, and a conflict index system.