Topic: Are Allstate Auto Insurance Pricing Factors Discriminatory?

Problem statement

Despite the widespread use of insurance quotes by companies to determine premium prices, the public lacks understanding of the factors that insurance companies use to generate these quotes. Maddy and Aaron's 2020 article suggests the existence of a "sucker list" in Allstate's auto insurance business, raising concerns about discrimination in the provision of quotes by insurance companies.

Problem objectives

We will verify the conclusion of the article that the 'sucker list' does exist, contribute to the transparency of the quotation factors of insurance companies and promote ethical business practices in the insurance industry.

Research questions:

1. Is Allstate Insurance Company engaged in discriminatory quotation behavior?
2. What factors are discriminatory quotes by insurance companies related to? / If there is no sucker list, what factors are most relevant to insurance prices?