Insurance is cheap for those with good credit history, no accidents or claims AND shop around yearly for better prices.
Everyone has in addition to their credit score an insurance score.
My whole life my rates have been dirt cheap compared to some of the things that I read in here. So cheap it’s stupid and I carry high limits on all types of liability.
If people don’t shop around then it is their own fault. I can see in California issues, especially with the recent fires.
Then again we live here on the East Coast

Even my coastal insurance is stupid cheap, it’s so cheap. I won’t even tell my neighbors what I pay because I’m afraid everybody will go to the same company. LOL I’m quite sure that I pay at least 50% less than most people in my community.
It could be a first year teaser rate with a new company, but even if it goes up from there, it cannot be that much, however, if it ever did, then I just switch again.
People should check with five different companies before they go in forums and complain