The answer to your question is - because speed is not the only thing you can judge &quot;safeness&quot; of driving by.<p>If the driver A drives at a speed limit, but is drunk, or 90 years old, or playing with their phone all the time, or just got their licence two days earlier, they <i>might</i> be actually much more likely to get into an accident than someone who is going faster than the speed limit but is in perfect mental and physical condition.<p>I&#x27;m not trying to excuse speeding, I&#x27;m just saying there&#x27;s a hundred other factors that are just as important when judging how good a driver someone is. And I feel like insurance companies won&#x27;t care - they will use the sensor data to say &quot;hey, you accelerate really fast from the traffic lights, that must mean you are a really shitty driver and you have to pay more than other drivers!&quot;