If everyone were charged the same premium, your premiums would actually be much more, because now you would be deemed as posing the same amount of risk on the road as a person who has caused 5 accidents over 10 years.
You can't have your cake and eat it too.
that does away with the idea of insurance. what if your genes said that you were 15% more likely to get cancer and all the insurance companies won't accept you?
what if to keep your premiums you had to not eat bacon?