Which of the following is NOT a rating factor for a personal auto liability policy?

In a personal auto liability policy, the rating factors typically used to evaluate and determine premiums include the age of the driver, the driving record of the insured, and the location of the insured vehicle. Each of these factors provides insight into the level of risk associated with insuring a driver.

The condition of the vehicle, while certainly important when considering comprehensive or collision coverage, does not directly factor into the liability portion of an auto insurance policy. Liability coverage primarily focuses on the driver's behavior and history, as well as external factors related to where the vehicle is primarily driven.

Therefore, the key rating factors that influence the personal auto liability policy are directly related to the driver and the context of their driving, which is why the condition of the vehicle stands out as not being a rating factor within the framework of liability coverage.