Congress ordered a study in 2003. Two of its questions: what does credit scoring do to Black drivers, and could the same result be had with less harm. The Federal Trade Commission answered both, in 2007, in public.
Turn the scoring on and average predicted risk for African Americans rises ten percent. For white drivers it falls. More than half of all African Americans hold scores in the lowest quarter. The Commission printed one more sentence, third in its own conclusion: “It has not been clearly established why scores are predictive of risk.”
The number correlates, and the report could not say why. You still cannot legally drive in most of this country without insurance, and where states allow it, its price is set, in part, by that number.