From what I have read, driver safety score is impacted significantly by driving a lot late at night (like after 10 pm) and if the car applies that auto breaking and warning sound about hitting the car in front of you. The latter has an adjustment you can make on the screen to have it come on early, medium, or late. Unfortunately you get penalized by Tesla insurance for keeping that set to early.
I am about to switch to Tesla Insurance because I mostly use FSD, but will probably also adjust that sensor to medium. It comes on very very early when set on its most sensitive setting.
My referral code that gets you 3 free months of FSD
https://ts.la/hudson123570