Last year, the Consumer Federation of America reviewed Baltimore area car insurance rates and found this disturbing phenomenon: If you lived south of Cross Country Boulevard in Baltimore, you paid premiums for basic coverage that, on average, were 36% higher than the equivalent driver living to the north. Here was another way to look at it: Drivers who live in the city ZIP code of 21215 pay about $620 more a year for government-mandated car insurance coverage than drivers living in 21209, which is mostly in the county. That’s problematic for any number of reasons, not the least of which is that this disparity is helping drive people away from the city. But here’s something else people should realize about the two ZIP codes, the city-based one where drivers pay more, is 79% African-American, while the other is mostly white.
Free Baltimore drivers from tyranny of territorial rating
March 4, 2021