Disclosed herein is a traveling-based insurance rating system comprising a telematics device associated with a vehicle having one or more sensors arranged therein, a mobile device associated with a passenger of the vehicle, and a server computer comprising hardware, including a processor and memory. The server computer may receive driving data of a driver of the vehicle from the one or more sensors via the telematics device. The server computer may then identify one or more values of the driving data to be within one or more predetermined ranges and classify the driving data as a trip of the passenger. Based on the driving data from the trip, the server computer may determine one or more driving behaviors of the driver, calculate an insurance rating for the passenger of the vehicle based on the one or more driving behaviors of the driver, and transmit the insurance rating to the mobile device.