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CU letter to California Department of Insurance Regarding Disparate Auto Insurance Pricing

SUMMARY: An April 2017 Consumer Reports-ProPublica analysis determined that some insurers in California charged higher premiums to drivers in predominantly minority zip codes than to drivers in white neighborhoods with comparable risk. A California Department of Insurance follow-up investigation revealed that Nationwide and USAA improperly calculated rates for some minority zip codes for the upcoming rate period; and those companies were required to re-submit their rate plans. While we appreciate CDI’s efforts, we renew our request that your office conduct a thorough review of past plan filings for disparate impact to determine if good drivers in predominantly minority communities were charged more than was justified by the risk.