Who wouldn't knowingly consent to have their driving assessed by their insurance company?
Plenty of people with plenty of different motivations...
Humanity is diverse and that includes what others regard as perverse.
Let's tackle the poor bastards first: if you struggle to stay afloat, lowering your insurance premium by *any* means becomes a priority. So if you can demonstrate "safe driving" by going half the (upper) speed limit, they will, regardless if they have the opposite effect by inciting others into reckless passing to compensate.
You can see it with the elderly: they know both that their sensory equipment is deteriorating and their reaction time increasing. But quite a lot really depend on driving to participate in life or stay out of assisted living they can neither afford nor tolerate. So they go extra, extra careful to stay out of trouble... regardless of their impact on traffic flow.
And then there are those, who try to impose their "virtuosity" on others. You know the type, who will stay on the left lane at 130km/h because that's the recommended maximum speed on the Autobahn and far more green than going full throttle... whilst they didn't take the even more ecological train, either, which runs 300km/h alongside, ...but unfortunately won't stop were you need to go.
They are in permanent "driver's ed" mode and probably expect to be given not just a lower risk rating but essentially an insurance knighthood.
As my utterly corrupt almost-ex-wife used to say: "90% of all virtue are functioning social control" which she used to great effect to cover her misdeeds. Yet without closing the feedback loop in one manner or another, insurance cannot work, as California wildfires demonstrate rather fiery these days.
And I guess the logical extension of that is your insurance getting cancelled automatically as your car heads into an unavoidable collision.
A neutral party in the middle seems a necessary solution, but won't come free (money) and is very difficult to maintain free from coercion via AIs or plain old software.