Insurers want those things to jack up all of our rates no matter how we drive. Give them enough data and they'll find something to justify screwing you over no matter how you drive.
That’s not how insurers are permitted to set rates by state regulators and also it’s a good way to go out of business due to what’s known as adverse selection.
There's only one state in the US that prevents data collected from cars being used to increase your rates.
Drive at night? Your rates go up. Drive "too often"? Your rates go up. Hit the breaks and successfully avoid hitting an animal or person suddenly running into the road? Your rates go up. Good luck counting on captured regulators to protect you. They did nothing to stop insurance companies from using records purchased from data brokers for ages. The EFF is calling on them to do more but don't expect much. https://www.eff.org/deeplinks/2023/06/steering-mobility-data...
What you’re describing is segmentation, which is another way of saying geico charges the people without speeding tickets less than those with speeding tickets.
If ACME co decides to charge everyone the same, then the drivers without speeding tickets will go switch to geico leaving ACME holding the bag of speeders… and losing a ton of money since prices weren’t set for that.
Switch speeding tickets with hard breaking or whatever other thing correlated with accidents.
Also, as far as fairness goes, using actual driving behavior sound far better to me than using credit scores. But strangely I don’t see nearly the same level of complaints about that
