Insurance is priced on risk, if you live in hurricane alley, you're going to pay more, ditto if you have a bad driving record. Would you find it fairer if they weren't allowed to surcharge for DWIs and we all got to pay higher rates?
There's a lot the insurance industry does that I think is BS but this is not one of those things. You've picked a terribly lonely hill to die on if you seriously mean to stick up for all the poor victims of driving under the influence who now have to pay higher insurance rates.
I currently pay $8K a year to insure four cars that I own outright. Clean driving records.
I'm not sure if I should ask where you live -- because I've lived in States (Louisiana) with stupidly high insurance rates -- or if I should bust out my small violin for the poor broke individual that owns four cars. :D
We pay around $1,600/yr for two cars, that we do not own outright and carry collision/comp on, and hell, it was closer to $1,200 before the masses realized you could steal my partner's car with a flathead screwdriver and TikTok video. My 2024 model year costs less to insure than her 2019 model year, lol, how dare USAA price ease of theft into the rate.