The purpose of this study was to reorganize the risk concept based on personal factors and car factors and to investigate whether the relation among type of cars, car equipment with accident can be a new risk classification factors for fair and reasonable with automobile voluntary liability insurance premium calculation. The method of sample observation, test of independence, Hypothesis Development and regression were applied for the empirical research. The results of the study were that the relations existing among type of cars, car equipment and accident incurred provide a reference of new risk classification factors of premium rate of automobile voluntary liability insurance for non-life insurance industries in the future.