receive user data associated with a plurality of users, the user data including at least one selected from a group consisting of historical vehicle telematics data, historical mobile device usage data, demographic data, and location data;

generate, based upon the user data, one or more driving profiles including one or more driving characteristics associated with each user of the plurality of users;

group one or more of the one or more driving profiles into one or more groups based upon first driving characteristics of the one or more driving characteristics;

classify one or more of the plurality of users as one or more matched users based on matching the one or more of the users in each of the one or more groups by matching the one or more driving profiles in the one or more groups based at least in part upon similarities of second driving characteristics of the one or more driving characteristics;

create a virtual driving tournament for the one or more matched users, the virtual driving tournament being directed to at least one selected driving characteristic of the one or more matched users;

receive current vehicle telematics data associated with the one or more matched users, wherein the current vehicle telematics data is received from at least one of: a position sensor, an angular velocity sensor, or an accelerometer;

determine a winner of the virtual driving tournament based at least in part upon determining respective amounts of time between each occurrence of the at least one selected driving characteristic over a time period associated with the virtual driving tournament from among the current vehicle telematics data; and

transmit the virtual driving tournament for display on a graphical user interface on an electronic device.