Methods and systems described in this disclosure identify a driver of a vehicle. The driver may have a profile indicating vehicle settings, and at least one of the vehicle settings may not be overridden by the driver. The vehicle may be configured according to the vehicle settings in the profile, such that the vehicle may not operate outside of at least one of the vehicle settings that cannot be overridden. An insurance rate for insuring the vehicle may be generated based at least in part on the vehicle settings associated with the profile.