It's probably worth noting in this context that while I believe Allstate is publicly traded and for-profit, State Farm is neither. It's a mutual - it's owned by

It's probably worth noting in this context that while I believe Allstate is publicly traded and for-profit, State Farm is neither. It's a mutual - it's owned by its customers and its excess rates go back to them as dividends. There could still certainly be shenanigans, but not quite the same kind.