I wonder why “80 mph” was picked as an arbitrary value. In rural areas of Utah we have 80 mph posted limits and prima facie speed laws. A lot of Utah drivers regularly exceed 80 MPH and I’d argue they do so legally. It’s just a weird number for them to pick.
Note that they are also looking at night driving, which as far as I know is legal everywhere, but someone who spends a higher percentage of their time driving at night probably is a bigger risk for the insurance company than a similar person who doesn't drive as much at night.
iirc in CA it's 20mph over the speed limit, or speeds over 80.
The insurance companies probably want to know who to raise rates on.
Interesting to me. I wonder what are they doing right.
legally and unlikely-to-make-expensive-consequences are separate items that insurance exists to differentiate
why shouldnt people driving on such dangerous roads have to pay higher insurance rates?