When one of the geese has a 97% market share in Alabama it deserves a little thumping. The Zero is accidentally correct on this one. However, I am opposed to federal regulation of rates and sale of policies for two reasons. One, I think the states should control it and two, if you mess up a state there is pressure to fix it at the state level and it's easier to get in changed. If the federal government screws it up as they have Social Security, Medicare, and other things it's almost impossible to fix it and it's messed up everywhere.
Even California was able to successfully reform their workers compensation laws when they started getting clobbered for it by the surrounding states.