I think tesla intends to fine tune the algorithm so that the insurance business minimizes losses.
However this seems quite anti-freedom/totalitarian to me and seems to want to reward the serfs of the insurance company aka people who are willing to curtail their freedom of movement to avoid being penalized. Fortunately, this can't be considered for premium changes in CA (so far).
I am a night owl and on many occasions /commonly driven late night to get out of the house/clear my mind. Additionally, recently I have been going to the supercharger after 12 (when I need to) to take advantage of the lower rates - (I normally try to charge in my apartment) - given the high (obnoxious?) rate of .57/kwh during peak hours.
I know, people may say: why should the insurance company cover your risky late night driving -- my response -- I would prefer to not share my driving details with tesla and not get a discount and instead pay lump sum (higher) rate. If tesla says that this the only way they will give me insurance, I will look elsewhere. If all companies decide that this is the only way they will give insurance for teslas/similar cars - I would conisder that to be a dystopia and nothing to be proud/comfortable about. (however, all my personal views and others may think differently).
Also imho making money as an instrument in these type of problems is a path to dehumanize the economically weak and allow the well off to essentially buy their freedom of movement (in the name of paying for taking higher risks)
(as an aside):
I understand that the supercharger division does not want to run at a loss - but -- .57/kwh if compared to gallon equivalent - 1 gge (gas gallon equivalent) = 33.4 kwh - comes to $18.9/gallon —- which in my view is not a great trend - particularly if tesla becomes a charging monopoly. From the overall trend of charging providers, like the broken ones in my apartment which have little to no probability of getting fixed -- does not look like ChargePoint, EVGo, Electrify America etc are serious about the charging business