Are auto insurance companies red-lining poor, urban drivers? | Devin Fergus

If you want to save 15% or more on car insurance, you may have to move to a white, suburban neighborhood

It has long been government policy to root out overt discrimination based on race, sex, age, religious and, increasingly, sexual orientation. But in America, it remains politically correct and (in most states) legally permissible to profile based on postal code. They are routinely used by local governments to apportion tax dollars for public education and by banks to deny or charge extra for loans to households in lower-income or working-class neighborhoods.

Nowhere is zip code profiling more obvious, and in no area does it more obviously violate basic notions of merit, than in auto insurance rating pricing. Where one lives rather than how one drives is in fact the primary determinant for how much you can save (or will be legally forced to spend) on auto insurance.

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