Seems like insurance couples the driver with the vehicle for risk management though. For example, an expensive vehicle will have a higher insurance premium tha

Seems like insurance couples the driver with the vehicle for risk management though. For example, an expensive vehicle will have a higher insurance premium than a cheaper vehicle because repairs will be more expensive. But a better driver behind the wheel of that expensive vehicle will minimize the chance of a payout. There could be instances where a bad driver of a cheap vehicle is paying close to what a good driver in an expensive vehicle pays. i.e. [Higher payout but lower risk === lower payout but higher risk]. So it's not just enough to put insurance on the vehicle or just the driver. Both must be used to calculate the premium. Still, what you're saying sounds interesting and would be an interesting experiment if insurance companies could offer that as an option.