Lauren Kirchner is a senior reporting fellow at ProPublica. She has covered digital security and press freedom issues for the Columbia Journalism Review, and crime and criminal justice for Pacific Standard magazine. She began her journalism career at the Richmond Times-Dispatch in Virginia. She has a B.A. in philosophy from Wesleyan University, and an M.S. from the Columbia University Graduate School of Journalism, where she received the Louis Winnick Prize for reporting and a Pulitzer Travel Fellowship.
In response to our report that minority neighborhoods pay higher premiums than white areas with the same risk, six members of Congress and two Illinois state senators are pushing for closer scrutiny of insurance practices.
Our analysis of premiums and payouts in California, Illinois, Texas and Missouri shows that some major insurers charge minority neighborhoods as much as 30 percent more than other areas with similar accident costs.