&gt; <i>If that limit is 4 mph or 10 mph, I think it&#x27;s fair to charge more.</i><p>But there&#x27;s already telltales for that: if a driver consistently drives more than 10 mph over the speed limit, they&#x27;ll eventually get caught and ticketed.<p>That&#x27;s where age &amp; experience come into play. If a driver has 20 years of experience with no tickets nor accidents, does any of the other stuff really matter? It&#x27;s not just observable, it&#x27;s proof - instead of assumption.