“real-time insurance, where the driver's rates depend on how they drive at that moment”
As long as that's completely autonomous then it's OK.
ie. Feed in all the aspects of driving to create a unique profile and then match that to the insurance accident and cost of accident database - that's fair.
If it just measures speed/acceleration and therefore decides you are a bad driver then it's not good - we don't want people driving like grandmas everywhere just so they aren't penalised ... and that would probably lead to more accidents too.