1. A computing apparatus, comprising: a driver identity detector to detect the identity of a driver; an operational sensor interface; and one or more logic elements comprising a driver competency engine, configured to: detect the identity of the driver via the identity detector; evaluate the driver's operation of a vehicle according to operational inputs received via the operational sensor interface; build a driver competency profile based at least in part on the evaluating; and compute a current risk factor of the form RF=avg(DS,DG)/K, wherein RF is the risk factor, DS is a normalized speed deviation, DG is a normalized g-force deviation, and K is a constant.