Which factor is NOT used by state law when determining automobile insurance rates and premiums?

When determining automobile insurance rates and premiums, various factors are typically considered to assess risk and potential costs for insurers. The age of the insured is significant because younger drivers generally lack driving experience and may be more prone to accidents, thus influencing premiums. The driving record is also critical, as a history of accidents or traffic violations indicates a higher risk. Additionally, the location of the insured can affect rates due to factors such as population density, theft rates, and local accident statistics.

The type and model of the vehicle, while important for determining overall risk and potential repair costs, is often regulated differently across states. State laws typically focus on driver behavior and demographics rather than the vehicle specifics. This means that attributes like the vehicle's safety ratings, theft risk assessments, and repair costs can influence the premium but are not uniformly applied pursuant to state law in the same way that personal driver factors are.