Black Michiganders in the most densely populated areas see the highest location effects
Number of Michiganders in the top 20% most densely populated territories per insurer
Bar chart of the number of Black and White Michiganders in the top 20% most densely populated territories per insurer
Highest
location effect
Middle
high
Middle
Middle
low
Auto Club
White
252,052
260,328
232,372
178,174
Black
436,881
85,084
26,468
40,240
Citizens
White
278,172
333,373
158,021
169,800
Black
428,819
86,574
33,532
26,172
State Farm
White
367,843
403,979
135,855
96,509
Black
453,782
74,805
36,131
17,165
Allstate
White
1,584,309
541,978
284,088
235,148
Black
898,572
81,722
74,652
29,811
Liberty Mutual
White
2,714,413
139,170
889,093
281,324
Black
1,018,297
3,274
87,669
39,595