New Jersey Accused of Allowing Racial Bias in Auto Insurance (1)

Nov. 13, 2025, 4:55 PM UTCUpdated: Nov. 13, 2025, 6:34 PM UTC

New Jersey discriminates on the basis of race by allowing auto insurers to consider a driver’s education and employment history when setting rates, a suit filed in state court says.

Education and employment history are proxies for race and income, two factors the state doesn’t allow to be considered when insurance rates are set, a coalition of groups including the NAACP New Jersey State Conference allege.

“Black and Latino drivers are disproportionately likely to experience negative insurance impacts from the consideration of education and employment,” says the complaint, filed in New Jersey Superior Court.

“The fact that Black and ...

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