Evelyn Blumenberg, director of the Lewis Center for Regional Policy Studies and professor of urban planning, spoke to WalletHub about affordable car insurance in California. Studies have shown that drivers from minority neighborhoods have higher insurance rates than other households, and Blumenberg advised states to regulate insurance companies to minimize such disparities. She also encouraged a transparent system of rate-setting that limits the use of factors not linked to driving safety, such as occupation, education and credit score. Blumenberg also pointed out that many drivers have difficulty understanding the full costs of owning a car, such as out-of-pocket expenses as well as congestion, environmental harms and other social costs. But she noted, “If access to a car increases employment outcomes (as many studies show), then the benefits of having a car must be weighed against the costs.”