A method for matching a vehicle with a user including receiving a user ride request for a vehicle from a plurality of available vehicles from a user, receiving a threshold vehicle risk score preference for the user, receiving a user risk score for the user, receiving a threshold user risk score preference for the plurality of available vehicles, identifying a subset of the plurality of available vehicles having a vehicle risk score at or below the threshold vehicle risk score preference of the user and a threshold user risk score preference at or above the user risk score of the user, and presenting the user with ride options for selecting one of the subset of the plurality of available vehicles of the subset of available vehicles for the user ride request.