We have two Tesla's insured by Tesla and the rates are competitive with other insurers. You (like California's Insurance Commission) assume the most negative narrative of Tesla variable rate plan hence, I can't currently get a safe driver discount. Higher rates based upon where you live has always been a factor in auto insurance for obvious reasons both good (high accident rates, high claim losses) and bad (any racial or economic profiling). Tesla is the only automotive company with real time data to allow driver skill factoring into insurance rates.We were the first state to have Tesla insurance.
It just can't do the thing where they track live individual gps to change rates. Just because you live on the poor side of town is no reason to charge you higher insurance.
A piece of legislation (Prop 103) approved by CA voters in 1988 that was approved specifically for protecting citizens Health and Financial Information from disclosure. That is 10 plus years before the first modern EV's were created. The legislations broad scope allowed its being coopted to cover Tesla's use of telematics (driver behaviour) as a means of setting vehicle insurance rates.Even if it's not intentional, violations can happen.
If they want to make the case that they can provide a higher quality product that's less intrusive, they are allowed to lobby for changes in the state house.