A vehicle data collection and evaluation system. A vehicle data collection device is configured to collect the data associated with the operation of the vehicle. A transmitter is configured to transmit the collected data. An analytics server is configured to receive the collected data transmitted by the transmitter and to process the collected data. A rate processing server configured to determine a driver safety rating. The collected data comprises vehicle speed measured at a predetermined time interval and the analytics server (i) determines a change in speed value over the predetermined time interval and raises the change in speed value to an exponential power to determine an exponentiated change in speed value; (ii) determines a maximum speed of the vehicle during the predetermined time interval; and (iii) determines the driver safety rating based on the maximum speed and a magnitude of the exponentiated change in speed value relative to a distance traveled over the predetermined time interval.