Does affordable insurance exist anymore? - I'm a 22 year old male who owns his own 2018 crosstrek, I have never made an insurance claim and I have 2 mild speeding tickets a few years apart, no accidents. I live in PA and it appears that nobody but a select few companies will insure me and they offer me $400+ a month?! Which seems insane and is much higher than the averages of even drivers with DUIs in my state. After hours on phone calls with geico and progressive they can offer me just under 200 a month with all the smart tracking and a million "discounts" for being a student and whatever other things, however after the first 6 months of each of those policies with perfect driving record and average milage of like 6 or 7k a year they jack their rates up 30 or 40% and when I ask to speak to an agent about it they seem just as confused as me but offer up flimsy excuses like inflation, cost increases, and one just said "idk it's what the algorithm says I can't change that or help you.". How is this industry allowed to price gouge so openly without consequence? How can I get insurance I can afford, I had been going for a quote that was the minimum full coverage I can get but now I can't afford to pay that, is state minimum worth the cost decrease and can anybody recommend an insurer available in pittsburgh that might fit for me?