Eerily similar to the practice of Banks red-lining districts they wouldn't sell loans or mortgages to. Legally, this is a sort of "differential impact" discrim

Eerily similar to the practice of Banks red-lining districts they wouldn't sell loans or mortgages to. Legally, this is a sort of "differential impact" discrimination, and iirc it's mostly legal as long as you can justify your reasoning. I think insurers would have to justify their rate adjustments though - a 5% extra premium for comprehensive at the intersection of Skid Row and Mugger's Bend is probably legit, but a 300% extra in Chinatown would land the insurer in legal hot water. Trial lawyers make big money running class-actions for these sorts of things, which hopefully keeps businesses honest. (IANAL, I picked this up from my mom who does labor/employment defense.)