I also have to say I’ve had only good experiences with my current insurance provider (Amica) but I also pay a little more. My mom got an at fault accident in my car she borrowed when her car was in the shop and it was handled without complaint nor did they raise my rates.
But you’re still right about a lot of others. I’m almost certain GEICO or Progressive would have raised mine. I wish it was regulated such that my experience is the mandatory norm.