They've had this as a law in PA for a few years now I believe...and insurance premiums haven't budged.
Not wearing your seatbelt is the equivilant to riding a motorcycle without a helmet, the only difference in PA is that at the same time they made it law to have to wear you seatbelt they erased the law that you had to wear a helmet on a motorcycle.
Brilliant.
And school busses carry our children without being belted in and the school bus is less safe than today's automobiles.
Government and common sense are mutually exclusive.