US Patent 12014424 Autonomous vehicle premium computation using predictive models

The present disclosure relates generally to systems for facilitating the use of autonomous vehicles (AVs), and more particularly to automated artificial intelligence (AI)-based techniques for determining an insurance premium for an AV ride based upon various factors including the evaluation of risk associated with the AV ride. An automated AI-based infrastructure is provided that uses automated machine-learning (ML) based techniques for evaluating a level of risk for any particular AV ride and then determining an insurance premium for the AV ride based on the level of risk. The insurance premium determination incorporates Usage Based Insurance Pricing (UBIP) that has been customized for autonomous driving, whereby the level of risk is predicted based on information associated with the expected usage of the AV during the ride. Thus, the insurance premium is customized for each ride and can be determined as part of calculating upfront the total price of the ride.