No, it's not. The premise of an insurance pool is that the lucky subsidize the unlucky. Differences in premiums are supposed to account for good vs bad.
> Differences in premiums are supposed to account for good vs bad.
This would require a way to measure driving quality with perfect accuracy and no errors. I feel comfortable in my claim that (1) nobody can do this; (2) nobody claims to be able to do this; and (3) nobody believes that this might one day be possible.
Differing premium rates just mean that you have several pools, each defined by their premium rate, in which the better drivers subsidize the worse ones.
