[ghaff]

>A more contentious point would be people living in poor areas having to pay more for insurance due to more property crime in poorer areas. It’s easy to say someone who drives recklessly chooses to and should suffer the consequences, but what about someone who happened to be born to poorer parents?

This already happens of course. Auto insurance (and I assume other property insurance) varies based on where your auto is garaged (by a lot).I live in an exurban town. I assume my insurance would be 2x-3x is I lived in Boston.