Whether consideration of gender should be allowed in setting auto insurance rates is indeed the subject of debate. It seems to be allowed in most US states but

Whether consideration of gender should be allowed in setting auto insurance rates is indeed the subject of debate. It seems to be allowed in most US states but illegal in the EU https://www.investopedia.com/gender-and-insurance-costs-5114126 https://www.investopedia.com/gender-and-insurance-costs-5114... Back to the point of regulation, the fact that we're able to have a conversation about the factors that are/aren't allowed to be taken into account relies on the pricing model being relatively transparent about its inputs. Unrestricted machine learning leads to better predictions but often at the expense of transparency about what exactly is going on. If you feed first and last names into a model for example, it might learn things that correlate very closely with ethnicity