对机动车辆保险费率的厘定通常采用单项分析法、最小偏差法和多元线性回归等方法。但由于保险数据的特殊性,它们的缺陷越来越明显,本文简要分析了这些传统定价方法存在的缺陷,介绍了基于风险相依的保险费率的厘定的普通方法和同质风险相依费率确定的数学模型。 The determination of motor vehicle insurance rates are usually single analysis, minimum deviation and multiple linear regression methods. However, due to the particularity of insurance data, their defects are more and more obvious. This article briefly analyzes the shortcomings of these traditional pricing methods, and introduces the common method of determining insurance premiums based on risk dependency and the definition of homogeneous risk dependent rates Mathematical model.