1. This would be a pain for everybody.2. I'd have to drive grandma to church. She never goes on the highway and only starts her car twice a week to drive six blocks to the grocery store and church, so I don't know why she can't continue to drive and self-limit her driving. Yes, she's no Mario Andretti, but she still derives independence and importance from being able to drive. 3. Insurance is rated by how much you cost them. I may be a great driver but if I go 100K miles in a year, I might still statistically have a higher rick of accidents. Let the actuaries figure out how to charge for insurance, let's not tell them how to run their businesses.