Yes, I’ve seen a few but so far never cheaper than per mile insurance, at least where I live. I’ll talk to my agent next year to see if my current home owner insurance company has one that works that way. My current policy uses my phone to track and reward driving habits, but it tracks my bus rides as car rides as well, which sucks. Can’t they come up with an Apple car app or something?

I’m so tempted to use a car insurance app, but in the end I don’t want to run a tracker

I don’t want to be penalized if I come to a sudden halt on a remote back road, with no one around, to remove a turtle, or a tire, or a bedframe from the road.

(Yes, I’ve done all of the above, multiple times.)

Good point. I hadn’t even thought of getting pinged for non-wrecks.