Insurance companies use numerous socioeconomic actors in auto insurance pricing and underwriting to unfairly charge consumers higher premiums. These factors disproportionately hurt Black and Latino consumers, as demonstrated in this chart below.

Auto insurance companies often charge higher premiums to:

• safe drivers who rent their home than those who own;
• single customers than married ones;
• drivers with less education than those with more;
• blue collar workers than white collar professionals; and
• those with lower credit scores.

African-Americans and Latinos are disproportionately represented in the higher premium categories, meaning insurers’ use of these qualities results in unfair discrimination. Taken all together, it is clear that African Americans and Latinos pay more for auto insurance than white drivers because of these factors, even when everything related to driving safety and vehicle type is held constant.