I heard from a person who works at one of the largest insurers around the east coast. That the only real reason they raise rates it because the amount of fraud in certain areas. It's also greed too. But their justification is the fraud in an area. They know the guy who is in collections with his loan, and has missed his last two insurance payments didn't just have a random hit and run with a stolen car in a back alley in Baltimore. They just can't prove that.