You should double check that. There are lots of non-insurance apps that share data through data brokers where it gets back to insurers. You personally may not use them, but some people will/do.
I want to re-re-re-iterate that I am not advocating giving up on the idea of securing your car, I am just saying if you are going through the exercise of making sure your car is secure or offline that you also need to be realistic about what your phone shares even when locked down.