Soaring car insurance premiums force many low- to middle-income Texans to do without
Average car insurance rates have risen more than 50% across
Approximately 12% of
"Social factors, like ZIP code, gender, and credit score, as well as gaps in insurance coverage, have oversized effects on the amount a person pays and are contributing to unaffordable pricing," the report said. "For example, in
"In a place like
"Unless you're [a] married Caucasian male living in the burbs, like, you're not going to secure the best rate," Cabrera said. "My insurance went up over
Cabrera, who is Black and lives in unincorporated
"I understand how insurance works. I was a licensed adjuster," she said. "Why should someone get penalized if there's no additional risk reflected in their driving record?"
Car insurance affordability has become such a widespread problem that it has drawn the attention of Lt. Gov.
"With car insurance ... we all benefit when people are insured, but if we have a system that's making it nearly impossible for people in a financial bind to pay or afford even basic liability insurance, then that creates a problem," Baddour said. "So, I'm hopeful as the Legislature looks at this, as policymakers are concerned that people can share their stories and it can be part of a narrative, a way toward a solution."



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