Our analytical concept focuses on comprehensive driving behavior analysis spanning a high variety of criteria inside complex environments to fully understand and evaluate the drivers; the missing of this consideration, due to either technical feasibility or business cases, often causes a gap between the drivers and the insurers: The drivers would have weaker voice to present themselves. The insurer would have a barrier to fairly quote the drivers. Our solution will align the two groups in resulting an optimal driving community from three aspects: 1. Analyze driving behavior and generate a holistic evaluation of drivers. 2. Generate feedback to improve driver's performances. 3. Avoid overall accident rates to reduce accident-related operation cost from insurers.