Ethnic minorities pay up to £280/yr more for car insurance than white people, says Citizens Advice
Ethnic minorities pay more than white people for car insurance, research from Citizens Advice has shown, with the charity arguing that the price differences are a result of an “ethnicity penalty”.
Citizens Advice says ethnic minorities in England and Wales paid £250 a year more for their car insurance last year, with some paying up to £280 more. The findings are based on analysis of the cost of 18,000 car insurance policies reported to Citizens Advice by people using the charity for debt help in 2021.
The charity also carried out 649 mystery shops in England using six personas across eight postcodes. The majority of the personal details submitted online, including car, job and no claims history, remained the same. In postcodes where more than 50% of the population were from ethnic minority backgrounds – based on the 2011 census – the charity found minorities were charged more.
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