Personalized insurance systems, including vehicle-based devices and modules, insurance system servers, personal mobile devices, and other computing devices, may operate individually or in combination to determine and implement personalized vehicle insurance policies. Such policies may be driver-specific, time-specific, vehicle-specific, and/or driving-trip specific. Various driver data, vehicle data, and driving trip data may be received and analyzed in order to determine usage-based insurance parameters for vehicle driving and non-driving activities. Personalized vehicle insurance policies may be presented to and accepted by drivers, after which the drivers and one or more associated vehicles may be monitored to detect and store vehicle usage data in accordance with the personalized insurance policy.