Insurers raising rates after high losses in an area, regardless of your personal record, is normal. Sometimes they 'withdraw' from some markets that way, though they really do not fully leave, usually because they want to still write other types of policies in that area. 30+ years ago, our auto polices in northern IN doubled... our agent was honest about it: They had been suffering high losses in the NW IN & Chicago area, and just wanted to reduce their exposure. I did like you.... got another policy. Inconvenient, but nothing personal.
