LA even in the 1990's auto insurance was higher than neighboring states. A lot of bad drivers there and natural disasters are speeding up and accelerating unprofitable home and auto insurance providers to leave the state.

Next point, attorneys who take on frivolous claims to make a buck.

That's a Republican talking point and has not been the reason for insurance companies to leave the state or dramatically increase rates. It has played a lot into the creation of laws that favor insurance companies that screw over consumers. But it's not why your health insurance is through the roof. Health insurance is through the roof everywhere, and states that neglected to enact the ACA suffered higher rates while watching their rural hospitals disappear. LA historical voted for it to be that way.