A system and method for controlling charging for a vehicle is disclosed. The system comprises a statistical analyzer, an estimation module and a determination module. The statistical analyzer analyzes a set of data describing utility rate information and one or more behaviors of the vehicle. The estimation module estimates one or more tendency parameters based at least in part on the analyzing. The determination module determines a charging setting based at least in part on the one or more tendency parameters. The charging setting comprises one or more of a target charging battery state of charge (SoC), a charging start time and a charging end time.