It's also now illegal for insurers to do this in the EU since the ECJ reasoned that discriminating on gender, even if as a result of such a correlation, was prohibited.
Anecdotally I've been told that (British car) insurers don't care very much about your real actuarial risk, they're focused more on whether you'll actually pay their premiums. Specifically I was told that work to integrate with credit checking services was a priority whereas an integration with the UK Government's service which gives them access to driving offences and other records related to a driving license was back-burnered.
The reason I was given was that in practice they'd found if you require drivers to give their license details, it causes a big drop in purchases, if you make the license details _optional_ lots of people fill them in, and you can just give all those people a better price even though you don't use the details to actually check anything automatically.
