US Patent 11488252 Systems and methods for dynamic insurance premiums

Systems and methods receive vehicle operating information from an onboard vehicle system, wherein the vehicle operating information includes data indicative of a first amount of time an operator is in active control of the vehicle to the system during a period, and wherein the vehicle operating information includes data indicative of a second amount of time that the vehicle operates autonomously during the period. The systems and methods thereafter calculate an insurance rate for a subsequent period based on both the first amount of time the vehicle operator is in active control of the vehicle and the second amount of time the vehicle is operated autonomously.