The insurance industry is fairly heavily regulated (in the US).  They can only charge different rates based on specific factors.  This means that your entirely imaginary (and therefore entirely unconvincing) scenario will remain entirely imaginary (and unconvincing).<p>Personally, I would prefer if car insurers could price discriminate more based on data.  I think this would lower rates for me personally, both in the short term because I try to cultivate safe driving habits, and in the long term because it would create an incentive for everybody to try to drive more safely.