I have to admit I don't know if you're sarcastic or not, but it certainly exists in Europe. You can have reduced rates (by quite a bit) if you install some special hardware to record how you drive.

I looked at the insurance plans that give a safe driving / low km bonus, they use a device that plugs I to the car diagnostics port. But it's actually a sham -- you get a discount on the next year, not the past year, so it's just a trick to get you to renew.

I thought the seatbelt thing was a dig at Americans, who I never mentioned, and blatant whataboutism, but whatever.

For the countries with the highest death rates (~80/million), which are poorer former Eastern Block countries, they predominantly occur in urban areas. Making cars 0.1% safer for Germans/French/Swedish, who have >50% of fatalities in the countryside, makes cars more expensive for the whole block, delaying the changeover to cars with massive safety features, like monocoque passenger safety cells, ABS/ESC and airbags.

Incidentally,10% of US fatalities occured where no seat belt was worn.[1] In the UK this was 30%, but with a quarter of the fatality rate. All you can say is that people without seat belts on die.

[1] https://www.iihs.org/topics/fatality-statistics/detail/urban...