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Insurance

Auto Insurance

Auto insurers are increasingly using socio-economic factors – such as education and occupation – instead of driving factors – such as mileage and accidents – in their pricing of policies. Insurers have also started to use factors – such as price optimization – that have no relation to risk and loss in this pricing. CFA calls on state insurance departments and legislatures to end these unfair practices, which have especially adverse impacts on low-income consumers and people of color, on this state-mandated product.

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Subject Matter Experts

  • Douglas Heller

    Director of Insurance

    douglasheller@ymail.com310-480-4170

  • Michael DeLong

    Research and Advocacy Associate

    mdelong@consumerfed.org925-708-1135

Most Recent Press Releases

  • New Report Finds American Homeowners Faced 24% Increase in Homeowners Insurance Premiums Over the Past Three Years
  • Consumer Federation of America Urges Thorough Investigation of Allstate’s Alleged Violations of Consumer Privacy and Sale of Driving Data
  • While Consumers Struggle to Afford Insurance Coverage, Insurance CEOs Rake in Millions

Most Recent Testimony and Comments

  • CFA Urges Louisiana to Require Insurance Premium Discounts for Consumers in Louisiana Fortify Homes Program
  • Consumer Federation of America Urges Montana to Conduct A Study on Its Property Insurance Market
  • 24 Consumer Representatives Urge Washington State to Approve Bill to Get Insurance Refunds to Mistreated Consumers

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© 2025 Consumer Federation of America

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