Companies have done this, and it doesn't work as well as you think. This is because a lot of protected classes and some other politically controversial demograp

Companies have done this, and it doesn't work as well as you think. This is because a lot of protected classes and some other politically controversial demographics (poor people, old people, etc.) _cost more money to insure_. That is because they unequivocally do get into more accidents and have higher claim frequency. Creating total transparency into this process would be suicide for these companies - they absolutely do rate on zipcode, and poor neighborhoods absolutely have higher rates because of fraud, break ins, and generally higher claim rates. However, if you didn't rate on zipcode, then you are under-priced for these areas and you will be killed by adverse selection. TL;DR these companies have figured out how to obfuscate filings so people don't see them blatantly charging more for XYZ, and risk public outrage.