That is a good point in comparing Idaho to MA housing and pricing costs. But then how can you justify California's low insurance monthly rates (before the new hikes that just happened this month) California: $157
Off the top of my head, it seems like mean premium prices is going to depend on a lot of different factors, ranging from demographics (younger folks make up a larger fraction of the population in TX than in MA) to cost of living.
I think your whole analysis fails because you're missing half of the Cost Benefit Analysis. You're looking only at costs, without assessing benefits. One might as well look at Somalia and proclaim how awesome it is to not have to pay taxes.
It's going up like $20/month for 2013. Which is immaterial, since it was ridiculous to begin with, because the entire system is broken.