The article alleges, though without evidence, that the tracking is just an excuse to raise rates.

A quick search didn't turn up quite the right statistics, but traffic fatalities have been seriously on the rise in the US. That probably implies higher payouts. (WP)

But also, when trackable unsafe drivers have to pay more (and trackable safe driver less), then the unsafe drivers will prefer to be untrackable. You may be on the receiving end of the recalculated actuary tables.

Untrackable might mean you get lumped with the worst actuary table in terms of risk as an unknown quantity or as a form of pressure to let them track you or as a way to create a defence moat of people (your rates will go up like these untrackable vehicles) if the government tries to intervene to stop them from basing rates to tracking.

“Cost of living”. Sure people will start getting inflation beating payrises soon.

Mine nearly doubled over 2 years. They cited increased costs of parts and repair work. Might be true, might not be. Might be they increased prices more than their costs did.

Your car might not be trackable but do you use Google maps or Waze?

Your phone isn't trackable? You avoided all the license plate scanners? Your work/home has a higher rate of accidents between them?