If car insurance really is a cartel, then sure, market forces won't work. But in the absence of a cartel, the generally expected outcome would be that safe driv

If car insurance really is a cartel, then sure, market forces won't work. But in the absence of a cartel, the generally expected outcome would be that safe drivers see lower rates than today and dangerous drivers see higher rates than today. Average premiums would probably remain about the same, because total payouts would remain about the same. I get concerns about privacy & whether the market forces will actually work. But, pricing risk is also the fundamental business of insurance, so it seems very intuitive & logical for them to add additional parameters to quantify risk in their models. The better they can quantify the risk, the more competitive their rates can be, and the more successful they are as a business.