Well they do give them a strong incentive to stop driving.

Of course sir, you're new low cost car insurance policy is right through this door over here .... 🔒

Give insurance companies the will power to say no im not going to insure you. And then cap insurance rates. and by cap i mean no insurance should be more expensive than the rate new drivers are allowed to be charged.

Where i live insurance rates have a discount for being a good driver. Goes up each year to cap at about 40percent. This is tied to your liscence not insurance.

Increase that discount for good drivers and make sufficiently bad drivers unable to be insured.