Your Car Is Talking Behind Your Back and The Insurance Company Is Listening

Car insurance has stopped being a ledger of past accidents and turned into a live experiment in behavioral control.

Christina Maas

Over the last century, car insurance was a sleepy numbers game. You filled out a form, declared your age, gender, and ZIP code, and were handed a rate based on the wreckage left behind by people who happened to look like you.

But in 2025, that kind of proxy guessing is apparently too quaint for a trillion-dollar industry. Now, it’s not about who you are, it’s about how often you brake too hard near a Starbucks.

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