[bdavisx]

There's no way this is accurate for all locations. Some algorithms for insurance calculations are proprietary trade secrets and only the general information about them is filed with the states (not true for all states, but for many it is).

In other words, just going from the State filings is not going to take into account a lot of details that insurance companies are using to calculate your premium.

[debacle]

It depends on the state. If your state has crappy regulations, then you're probably right.

If you're in NY, CA, or MA, you're probably in good shape as those states have strong regulations.