Answers: Absolutely legal. Wouldn't you conjecture auto insurance would be cheaper in a rural nouns where at hand is minimum traffic and little chance of aggravated burglary compared to an urban area where on earth there is severe traffic congestion and a much greater opening of car nicking? Only makes sense.
The insurance company's pretty much do what they want to obtain the "big bucks." They can use area code,,,closure code,,,,anything they figure will up the risk of person in a stroke of luck,,,they look for population and average age of drivers in those areas to see how much of a risk you might be and things resembling YOU,,,age,,gender,,,driving story ,,how long licensed(experience driving)..etc etc. Absolutely legal as of immediately.
I think you be set to ZIP CODE - not AREA code. With the mobility of cell phones these days, and deeply of folks aren't even getting "land lines" for their houses..nouns codes on phones could be ANYWHERE!
As far as ZIP CODE rating - companies have be doing it for years. Rates for larger Metro areas are normally superior than rural ares - however, if the area is REAL rural - I don`t know folks don't have garages and park their autos below the trees where they are subject to frozen rain storms.
It's tough to explain the increase in premium when folks move, but, that's merely the way it is!
Good luck and I hope this help!