In boating insurance...
...it used to be that sailors and powerboaters paid roughly the same rates, even though the former were usually more knowledgeable and experienced, and the latter had more expensive machines that went a lot faster and caused more damage. (Maybe RNE can tell me if things have changed in the industry).
And all boats had much lower insurance premiums than cars, even though they were involved in much more accidents. These observations were made in the San Francisco Bay Area in the 80s. I could never figure out why. I haven't paid for boat insurance since then.