It seemed pretty clear to me many years ago when California gave illegals drivers licenses that insurance would climb and keep climbing.
Our multi car insurance in Albuquerque went thru the roof the last few years we lived there, back in 2017-19.
The explanation from the companies was all the car jacking and thefts, which at the time Albuquerque was one of the highest in the nation.
People were being car jacked sitting in fast food drive thru, lots of thefts of cars in hotel parking lots. My car was stripped, my co-workers car was torched, my bosses car was stolen.
Perps would steal a car, get caught and the same day would be caught blocks away from the cop shop car jacking.
An illegal was passed out in front of our house, another one camped in our back yard, we couldn't keep anything on our front porch because it would get stolen (shoes especially) People would knock on our door asking for money.
The last straw for me was one night when an illegal T-boned a vehicle half a block from my house. Neighbors were rushing down the street and the guy who hit the vehicle ran by my kitchen window, his head split open and blood running down his face.
My neighbor was outside and just let the guy run by, which infuriated me.
I ran outside and he was gone.
The accident was bad, he left his wife and baby in his truck screaming and crying. The other vehicle was completely crushed in the center.
There was no screaming coming from that vehicle.
Cops came to my house and I gave a description of the guy. They had me come out to their car to identify him on their computer.
Sure enough it was the same guy.
Cops said he's done this before! I believe they really wanted to get him but he did say that he was probably already on his way back across the boarder.
Yes, insurance is blowing up and will continue to do so.
We lived in a desirable neighborhood where most home owners were either contractors working for the labs or professors from the university.
But this was happening all across the city, nice neighborhoods in the foothills, west side new housing developments.
In Albuquerque this became the new normal.
I saved $1,000. Now, will they raise the rate in 6 months? 
