They are scamming us in other words stealing our money

Has nothing todo with minority, has todo with address, zip code, and claims reported in that area. Also what local authorities data reported , what nicb, and fbi reported. Also look at responce time data in the zip code vs a zip code with more money 9 mins for police responce vs 3 mins. This is not public data. Contact the corrupt Illinois dept of ins. Also one of the bigest factors is credit face it poor people have bad credit . End results is not a white or black thing. Cause u black or brown is not a rating factor!

I find it funny some of the comments saying if you have driven longer than they should be paying lower rates. I have driven less years than these two (I am younger) and I pay less than these two per month. No I don't have bare bone coverage. Since I am still paying for my vehicle I am force to buy other coverages to satisfy my bank. I never been in an accident. I have excellent credit score and pay $72.00 per month. I shop around until I find the lowest rate possible.

People living in bad places should have to pay more.

I think this video just trying to pull me into thinking it's racist.. Notice both examples two males one younger one older by age your supposed to pay more if your younger that's typical even if both lived the same area the younger one almost always pays more

They are not charging minorities more they are charging people who live in minority areas more there's a difference. One area can be considered more risky even if two drivers are equally risky. Look at the report carefully.

Number one fuck Geico and state farm liberty mutual etc. Second shop around you can change insurance companies every month if you want. Lastly you can negotiate with your agent if you know how.

There certainly is more risk in poorer neighborhoods. The key is variance and from people with stable lives, there is low variance, so insurance companies receive more consistent data and can reliably estimate how much it costs them if they were to get into an accident. In poorer neighborhoods you'll notice they live very unstable lives, there is more crime, vandalism, vehicular theft, which is greater risk and thus they would have to charge more as those circumstances are more expensive to cover and there is no clear pattern to judge-reliably on how much it would risk them. There is also the supply and demand aspect to be aware of; in poor neighborhoods, they don't have cars and thus the demand is too low to be able to make insurance cheap whereas in areas where they can afford cars, there is solid-enough-demand. Lastly, many in poor neighborhoods tend to under-insure or drive without insurance altogether; which strains insurance companies; so to make up for their losses, then they would have to charge more whereas higher class families/drivers tend to over-insure or insure at the adequate amount; so the insurance company doesn't have to gouge it's new customers.

it's a form of racism

Credit Score! Your rate is based on your credit score. I find it suspect there was no mention of credit score. If you are familiar with Propublica, most of their reports starts with a premise and then they attempt to build a narrative that supports that premise.

Is this serious from consumer reports? This reeks of propaganda. You take 2 anecdotal evidence about two people that are not equal in terms of insurability. A 45 year old has far more driving history and has paid far more into his insurance during the more riskier times in his driving age. I wish I had the 26 years olds rate when I was his age he was saving 40$ a month over what Geico had charged me during the same time in a similar situation except I lived in a much less crime ridden neighborhood in a large city. Which is why I switched providers very quickly.

The only thing I can agree is that more information should he available for consumers when they are forced by the government into buying a product. This seems to me to be an example of failure of government policy in which their laws that were written to protect consumers have had the exact opposite hurting the poorest amongst us whether it be the red light cameras or mandated auto insurance.

There are so many other issues about this that have been overlooked. Pay out per zip wouldn't be the only thing insurers are looking for when creating rates. Insurance is just not that simple.

“These results fit within a pattern that we see all too often—racial disparities allegedly result from differences in risk, but that justification falls apart when we drill down into the data,”

I would like to see a switch. if the black guy still pays more in the other neighborhood. plus I am sure if you shop around,you could find other insurance companies with better deals. I know I shopped around because I wanted the best deal. it's seems to be a neighborhood problem,I am sure there are black guys in the other neighborhood. let's see what they pay.

Complete BS. As others have pointed out this is not an apples to apples comparison. Compare the rate for the exact same person, vehicle, coverage, & circumstance(e.g. homeowner? garaged? mileage?) in different neighborhoods.

I moved from a upper mid class white neighborhood to a lower mid/near
ghetto neighborhood and my rate went down considerably. We've had to 2
breakins to our cars whereas we could leave our garage open overnight in our old neighborhood w/o concern of anything being stolen/vandalized. We have Geico insurance.

Young people are poor drivers regardless of zip code hence their rates are significantly higher. Generally most people in lower class neighborhoods are poor drivers. Ancecdotally, I see that in poorer neighborhoods people just don't give AF about others.

I wonder how people would react to car insurance working like Obamacare? not based on risk (no preexisting), but partially based on your income.

18 in Ontario who is secondary driver on the policy pays 440 CAD dollars per month with minimum coverage

There is one variable that CR did not address: home ownership. It is a fact that bundling home insurance with auto will save you a bunch, even from the same insurance company. That would make the average rate higher in a Zip Code where fewer people own homes instead of renting, even with the insurer's payouts the same.

For CR to compare rates fairly, they would have to compare rates directly between homeowners who bundled in the different Zip Codes, and renters who are paying separately for car insurance in the different Zip Codes.

I've worked at Geico. You guys have it all wrong. Insurance companies rate with the amount of accidents that happen in that exact area, crime, individuals driving history, etc. A lot goes into it, but not minority neighborhoods if that's even a thing? Consumer reports needs to be more careful accusing people of racism. Wow.

Big surprise folks! Turns out ProPublica (The origin of this trash journalism) is supported by George Soros' Open Society Foundations. Always question who is pushing the narrative and why.

35. Been driving since I was 18. No accidents, no dui's, nothing. 190$ a month to e-surance.