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Add risk vs insurance analysis for bad-drivers dataset#350

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Snehalk275 wants to merge 1 commit intofivethirtyeight:masterfrom
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Add risk vs insurance analysis for bad-drivers dataset#350
Snehalk275 wants to merge 1 commit intofivethirtyeight:masterfrom
Snehalk275:master

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This PR adds a reproducible Python analysis of the bad-drivers dataset.
It explores how fatal crash risk and alcohol-impaired driving relate to
insurance premiums and insurance company losses across U.S. states, and
highlights mismatches between crash risk and insurance pricing.

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