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Most states require some level of car insurance. But with the average cost of full-coverage car insurance at $1,674 a year, not everybody can easily pay. Insurers do not factor income when determining insurance premiums; you don’t pay less if you earn less. You may, in fact, pay more, because of insurance-industry practices that critics say discriminate against people with lower incomes. “Lower-income customers are often forced to pay more due to the use of zip codes and employment in insurance underwriting,” says Nestor Hugo Solari, co-founder and CEO of Sigo, an auto insurance provider that aims to reach immigrants and Latinx customers. ....
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