If they were just looking at a 30yo woman with a safe driving record, did they account for things like property crimes committed in the poorer neighborhoods? If

If they were just looking at a 30yo woman with a safe driving record, did they account for things like property crimes committed in the poorer neighborhoods? If I'm more likely to live in a poorer urban neighborhood, I'm probably parking on the street in an older, cheaper car like a Honda or Toyota (the car most likely to be stolen). If someone steals the car or there is a break-in, premiums might not go up for you but they might go up for everyone around you (i.e. your zipcode). Now take a look at a white neighborhood, the area is more likely to be wealthier so the cars are probably newer and more expensive so they aren't as high up on that list of most stolen. There may be more break-ins but when that whiter, wealthier neighborhood is more suburban, there going to be more cars parked in garages so less break-ins. I've always assumed zipcode had to deal with where you keep your car at night and the crime that happens around your car. Based on the data they show, my hypothesis still hasn't been disproved. If anyone can show me that minority neighborhoods have less car thefts and car break-ins than whiter ones, I'll gladly change my thinking. I'm not ruling out the possibility of their being some systemic racism in insurance premiums but I'm looking at if there is any statistical reasons as to why things are the way they are. Perhaps insurance premium models are outdated like the past article on the relationship between office AC temps and the changing of the gender ratio in the workplace.