Driver classification systems and methods for obtaining an insurance rate for a vehicle

A driver classification system comprising:

• a controller configured to:
• collect first vehicle driving data from a first vehicle;
• process the first vehicle driving data at the first vehicle using a driver classification learning model including a machine learning algorithm to assign a driver classification to the first vehicle;
• receive additional driver classification learning models from a plurality of additional vehicles;
• update the driver classification learning model of the first vehicle based on the additional driver classification learning models received from the plurality of additional vehicles to create an optimized driver classification learning model by calculating a weighted average of the additional driver classification learning models;
• receive an insurance rate for the first vehicle from an insurance provider based on the driver classification of the first vehicle;
• and
• provide the insurance rate and the updated driver classification learning model to the first vehicle.