Minority Areas Pay More for Car Insurance Than White Areas with the Same Risk

But insurance coverage reflects things such as theft and other damage (so high crime neighborhoods will get charged more), reasonable security precautions taken by the driver (a garage typically gets the buyer a discount compared to a car port or street parking).

End of the day everybody gets charged for the miles spent on the road, and unless major employers set up offices in such areas, the liability component of the insurance would penalize high annual mileage.