[bw17]

Only to an extent. There is a reason why the Constitution grants to Congress the power to regulate interstate commerce.

Insurance is interstate commerce...and because of the McCarron Ferguson act, the insurance industries are exempt from federal anti-trust regulations (making them the only private industry granted such a benefit).

[Beagle8U]

State regulations are driving up your insurance costs or its the risk factor of what and where you are insuring it.

Unless the entire country has an ins problem the same as Florida its a local problem and can be dealt with locally.