Key Takeaways

• Income proxies like credit score, education, and job status raise rates without improving driver safety.
• Low-income drivers often face inflated premiums that limit mobility, employment, and economic opportunity.
• Income-based rating factors disproportionately impact minority and underserved communities.
• Reform efforts face resistance due to political pressure and low public awareness of discriminatory practices.
• Organizations like CURE advocate for fair pricing models that eliminate salary-based insurance discrimination.