A method, system, and computer-readable medium are provided to transmit, via a wireless network from an on-board diagnostic interface coupled to a diagnostic port of a vehicle, telematics data collected during the vehicle's operation; transmit, via the wireless network from a monitoring device, physiological data obtained for the vehicle's operator at corresponding points in time during the vehicle's operation; determine multiple roadway locations of the vehicle at the corresponding points in time, using the telematics data; determine a physiological state of the operator at each of the multiple roadway locations at the corresponding points in time, using the physiological data; determine, using the physiological states, a stress level profile associated with the operator for each travel route to a destination and including the multiple roadway locations, and send, to the operator, a recommendation identifying travel routes based on the associated stress level profiles.