[The359]

Cell phone data usage changed simply because of the evolution of phones. Data was unlimited because it was rarely used. Now it is tiered because of the prevalence of data usage. Increased cost is because of increased demand and the need of companies to keep up with it. The entire change to 3G and then 4G required infrastructure changes, and that infrastructure was solely to handle data. Increased cost is a bit obvious. Again, not greed. Same reason texting shifted from free, to limited, and now after so long has gone back to unlimited because it is has effectively paid for itself.

Car insurance is based on data and predictions, and the data still comes in the exact same way. Driving a car is driving a car. Statistics on accidents will not be changed, and continue to come in the same way. And the cost of repairing or replacing cars will also not change. Requiring drivers to have tracking devices would not change the cost of anything, as there is no need for an infrastructure shift. Sure, an increase in data servers and storage, but it is not a goliath like cell phone networks.

To put it simply, you're comparing apples and oranges.

And no one has had their insurance increased simply because they haven't had an accident in years and have a logging device (tracking device is a complete misnomer, honestly).