The answer to your question is - because speed is not the only thing you can judge "safeness" of driving by.
If the driver A drives at a speed limit, but is drunk, or 90 years old, or playing with their phone all the time, or just got their licence two days earlier, they might be actually much more likely to get into an accident than someone who is going faster than the speed limit but is in perfect mental and physical condition.
I'm not trying to excuse speeding, I'm just saying there's a hundred other factors that are just as important when judging how good a driver someone is. And I feel like insurance companies won't care - they will use the sensor data to say "hey, you accelerate really fast from the traffic lights, that must mean you are a really shitty driver and you have to pay more than other drivers!"
If the driver A drives at a speed limit, but is drunk, or 90 years old, or playing with their phone all the time, or just got their licence two days earlier, they might be actually much more likely to get into an accident than someone who is going faster than the speed limit but is in perfect mental and physical condition.
I'm not trying to excuse speeding, I'm just saying there's a hundred other factors that are just as important when judging how good a driver someone is. And I feel like insurance companies won't care - they will use the sensor data to say "hey, you accelerate really fast from the traffic lights, that must mean you are a really shitty driver and you have to pay more than other drivers!"