The insurance commissioner - a government position - limits how much money the insurance companies can make. So it's kind of complex. The reality of the situation is that there have been a significant increase in accidents and accident severity. Insurance companies are not able to make money. And this burden has been put on society at large. The sad reality is that responsible drivers will shoulder a much bigger burden. And the responsible drivers who lave less flexible demands (inelastic demands) will need to not only insure themselves, but insure themselves against uninsured or underinsured drivers, are hit with the burden since insurance companies know that the responsible drivers can afford this cost (responsible people have good jobs) and that the responsible drivers NEED the insurance.