A method and system for determining an automobile insurance rate for a person by measuring a person's ability to perform a task or series of tasks, wherein the measurement correlates to a risk of loss. After the identity of the person seeking insurance is challenged and verified, a user interface device, such as a kiosk or the user's computer, is used to render an interactive test that measures, for example, the person's dexterity and metal concentration. The test results are collected electronically and analyzed to provide one or more scores based on the abilities of the person to finish the test objectives. The score is used to derive a driving-abilities rate factor based on actuarial methodology and statistical data. The driving-abilities rate factor can then be used in combination with other underwriting factors to determine the automobile insurance rate for that person.
METHOD AND SYSTEM FOR DETERMINING AUTOMOBILE INSURANCE RATES BASED ON DRIVING ABILITIES OF INDIVIDUALS