While I do understand your argument. This is a planned effort by insurers. They are all pulling out of these areas in protest in an attempt to persuade the government to increase the amount they pay to insurers to cover these areas. The government already subsidizes insurance sold in these areas and while it does come out of your taxes it does not impact your insurance costs regardless of what you might have been told.

SOURCE: This is second hand from a close friend who is an insurance executive at one of these firms. They are also doing this in California.