In a report copublished with Consumer Reports, ProPublica has released an in-depth investigation into car insurance premiums based on location and how minority neighborhoods pay higher premiums than white areas with the same risk. The investigation looked into premiums in four states — California, Illinois, Texas, and Missouri — and found that minority neighborhoods paid as much as 30 percent more than non-minority regions for similar accident costs. The report states that "many of the disparities in auto insurance prices between minority and white neighborhoods are wider than differences in risk can explain." The American Civil Liberties Union's Rachel Goodman said, "We already know that zip code matters far too much in our segregated society." The Insurance Information Institute, however, disputes the report's findings. I.I.I. Chief Actuary James Lynch said companies "do not discriminate on the basis of race." 
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