Aren't geolocation risks based on a variety of factors? Not all states allow your location to be a major rating factor. For example, California law requires that car insurance companies calculate rates based on your driving record, annual miles driven and years of experience before considering your geographic location.
https://www.insure.com/car-insurance/car-insurance-factors.html
What about age-based risk surcharges? Young, single people are charged way more than married ones, regardless of driving history, or lack thereof, aren't they? Isn't that based on predictive reasoning?
Here are the states that don’t allow insurers to rate on age:
California (but can rate on years of driving experience, so those with less experience may pay more)
Hawaii
Massachusetts
Rhode Island does rate based on age but has a regulation to protect senior drivers. Rhode Island auto insurance companies are not permitted to non-renew a policy only because a person is age 65 or older.