University of Wisconsin–Madison

Auto Insurance Redlining in the Inner City

Type Article
Year 2004
Level City or Town
State(s) California
Policy Areas Economic Justice, Public Safety, Transportation & Mobility
Higher insurance premiums are charged in low-income, minority neighborhoods due to higher accident rates, which are impacted by disproportionately high rates of traffic congestion in those areas. This article outlines how cities should implement policies to mitigate the impact of externally generated traffic in low-income neighborhoods to reduce accident rates and, consequently, insurance premiums. The financial burden on disadvantaged residents is exacerbated by the spatial structure and institutionalized practices of the city, leading to economic disparities.

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