This episode examine diverse, and sometimes controversial, factors used to determine access to and the cost of mandatory auto insurance across North America. One informational source outlines the criteria for undocumented immigrants’ access to insurance in the United States, clarifying that while driving is a non-negotiable legal requirement, eligibility hinges on securing a valid driver’s license, which is permitted in 15 states and Washington, D.C.; these new drivers may initially face higher premiums due to a lack of driving history, not discrimination based on legal status. In stark contrast, a U.S. consumer report details how the use of credit-based insurance scores severely impacts affordability for financially vulnerable consumers, proving that safe drivers with poor credit often pay over  ...