It's already been happening. https://www.nytimes.com/2024/06/09/technology/driver-scores-...

There's only one state in the US that prevents data collected from cars being used to increase your rates. Drive at night? Your rates go up. Drive "too often"? Your rates go up. Hit the breaks and successfully avoid hitting an animal or person suddenly running into the road? Your rates go up. Good luck counting on captured regulators to protect you. They did nothing to stop insurance companies from using records purchased from data brokers for ages. The EFF is calling on them to do more but don't expect much. https://www.eff.org/deeplinks/2023/06/steering-mobility-data...