Driver classification systems and methods are disclosed herein. The driver classification method includes collecting first vehicle driving data from a first vehicle, processing the first vehicle driving data using a driver classification learning model including a machine learning algorithm at one of an edge server and the first vehicle to assign a driver classification to the first vehicle, updating the driver classification learning model based on additional driver classification learning models received from a plurality of additional vehicles, sending the driver classification to an insurance provider, receiving an insurance rate for the first vehicle from the insurance provider based on the driver classification of the first vehicle, and providing the insurance rate to the first vehicle.