Yikes, there is a ton of misinformation in this thread, and I’d strongly recommend everyone meet their agent and have them explain your policy to you. As someone who recently worked for the big red company for 12 years, I’ll try and cover a few of the key points.
Rates are going up, as they always do with inflation, on homes and autos. On autos in particular it is due to both the cost to repair increasing as well as the frequency of claims.
Rates are state and company specific, so no you are not subsidizing FL hurricane damage, at least not directly. There is likely a minor impact as a derivative of the reinsurance market, but there would be no direct $ amount associated on your policy.
MN is called a No Fault state, but that is a misnomer, as we are NOT a no fault state, ONLY MN Personal Injury Protection (PIP) coverage is No Fault, so any bodily injuries you suffer go to your policy first, but no other portion of your coverage is handled that way. And if you do not have medical damages, you should go thru the at fault parties insurance if fault is not being contested.
Everyone is required to be insured in MN, including Somali’s, of whom I had a ton of clients. You should always get a picture of their DL and Insurance info, and if the insurance is expired the police should give them a ticket. If they don’t, you or your insurance company should be able to at the VERY minimum get a judgement against them, but that will require some effort on your behalf.
Bucky is correct on being a constant shopper or loyal customer, pick which one fits your personality and go with it. The cheapest rates I’ve ever seen were from people with SF for decades, and SF’s biggest discount (25%) is a 10 year accident free discount and comes with accident forgiveness. And I regularly re-wrote people who chased rate only to come back 6-12 mos later. Other people regularly save by shopping every year or two. If you use a broker and they set you up with a new company every 6-12 mos, they are likely doing you a disservice in rate or coverage as they get paid more on a new policy w/ a new company vs a renewal at the existing one.
Auto insurance there isn’t a big difference between companies, but some companies are mutual (owned by the policyholders) vs publicly traded (owned by shareholders) and that does impact how they operate.
Finally, you can opt out of auto insurance by getting a $50k surety bond (at least that’s what it was a couple years ago), sounds like many of you should look into this. However, you would be risking all of your assets for anything exceeding $50k, and will have to pay for your own defense. Good luck!