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.