Massachusetts has a concept of "managed competition" to avoid exactly this: http://www.mass.gov/doc/autoinsuranceexecsummarypdf/download http://www.mass.gov/doc

Massachusetts has a concept of "managed competition" to avoid exactly this: http://www.mass.gov/doc/autoinsuranceexecsummarypdf/download http://www.mass.gov/doc/autoinsuranceexecsummarypdf/download