Why wouldn’t I? Seems much more fair than criteria such as age, education and marital status that are currently used to determine rates.
1) Assuming you're in the US - Progressive has been offering this for years. Obviously not everyone is enrolled with Progressive, nor do I know how many of Progressive's customers are enrolled in it. But, if you think that it's good, you may want to look into it, again assuming you're in the US.
2) Everyone who drives extremely carefully, say the medical equivalent of young-healthy person, would want to enroll. However, rest of the people won't. Insurance companies want to balance their high-risk with low-risk customers, which is where I think it'll run into issues.
3) The issue comes when your insurance provider has access to detailed data. Say there was an accident where your insurance company would normally pay. But now, they will be able to dig into data and find some clause that they will use to deny your claim and find you at fault. And, therein lies the problem for everyone and not just bad, or less than excellent, drivers.
Like what? Genuinely curious.
Buy comp and coll coverage and they won’t deny, they’ll duke it out with the other party’s carrier to put you not at fault if reasonable evidence shows that
Given extra information to your adversary is foolish.
now you have a way to prove it