The present embodiments may relate to systems for user mobility data analytics for a usage-based insurance platform. For instance, a user mobility analytics computing device may be configured to: (1) receive, from a user device, telematics data; (2) identify, from the telematics data, a plurality of trips; (3) identify, for each of the plurality of trips, a transportation mode based upon the telematics data; (4) build a trip database including the plurality of trips and trip data associated with each trip, the trip data including the transportation mode; (5) parse the trip data in the trip database to aggregate trip data associated with a particular transportation mode; (6) retrieve insurance policy data associated with an insurance policy and including a coverage type and a coverage amount; and (7) calculate an insurance premium based upon the aggregated trip data for the particular transportation mode and the insurance policy data.