Yes, it did.
You were no longer living in an area where the person you had a collision with was likely not to have insurance.
You were also living in an area where it was less likely your car would be vandalized or stolen.
Your insurance rates do not solely depend on you but on the people around you.
If they are more likely to commit property crimes your rates will be higher.
I moved from Chicago to Bloomington IL (Home of State Farm which FAIR isaac favors for marketing reasons). My driving was the same. I’d start 5 am Monday and makes stops all the way to Cairo. Then up to Galena...to Zion ...Chicago burbs (office in Roselle) and back to Cairo. My “rating was “business use” “over 100,000 per year”.
Zero crashes, zero claims. Two speeding tickets per year and I deserved many more than that. The amount of time actually in Chicago was not significantly different. Working in insurance, I had access to the actuaries, underwriters and data.
My Chicago address was 150 ft from where the Kennedy xway slopes down from a bridge above two other bridges down to the underground Hubbard cave. This downshill stretch is exactly where the traffic tightens up and slows down. Cars switch lanes to find their exit and to get a car length up on others. They do this by dodging in front of heavy trucks that leave the extra stopping space they need.
This stretch beside my house in my zip and police district (for 1000 critical feet) was the biggest location for crashes anywhere in Chicago. So my zip and police district got blamed.
But 99.999% of the cars on this stretch were not from my zip or police district. Over 90% were not from any part of Chicago. A high percentage of people in the city take public transit and don’t have cars. Or, if they do, they don’t drive them to work.