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Deers maybe.
My brother recently had a car accident and his premiums sky rocketed, and he heard about “Clearance Auto Insurance” and now his premium is lower with same coverage. If anyone is interested search online and find them.
Auto rates should be less expensive in these sparsely populated states. Less vehicles and less drivers means less accidents. Not surprised that Louisiana is so high with their Napoleonic Laws. These people all sue in a heartbeat even on a minor fender bender so litigation is a major problem.
Maybe they have first accident forgiveness. Many do now along with disappearing deductibles if you go accident or claim free for a period of time. The folks that have problems with tickets or at fault accidents are the ones who should pay more. Can you say “Progressive”?