A system and method for analyzing and using vehicle historical data is provided. The system and method may include obtaining vehicle history data from a vehicle history data system, and analyzing various vehicle variables to determine final factors associated with such vehicle variables. The vehicle variables may be categorized based on the age of the vehicle, the amount of time that has occurred since some event, or other time period. The final factors can be combined to score particular vehicles. Vehicle history scores can be used to evaluate risk associated with a particular vehicle, including use in underwriting and rating insurance policies, vehicle financing, or vehicle warranties.