Quite simple - all auto insurance policies need to be issued at a flat rate. $4,000 per person per car, no matter what kind of car you have, what your driving record is, how old you are, what your gender is, what coverages you have. FLAT RATE COVERAGE. If $4,000 isn't enough to cover all the claims, we'll have to increase it.
Discrimination is NOT inherently wrong. When you walk into a restaurant, and order a burger instead of liver, you are discriminating. When you order a coke instead of a glass of curdled milk, you are discriminating. If you want to pay less for a ten year old Ford Focus, than for a brand new Lamborghini, then YOU, TOO, want to discriminate.
You're only whining about it, because right now, at this point in your life, you're at the HIGH end of the price tag. When you're 70 and want to buy life insurance, and at the high end of that price tag, you'll be whining then, too.
You're deliberately distorting things, and your racist believe that people of certain ethnic background have more ACCIDENTS, has absolutely no bearing in fact.
WHEN will something be done, to make people buying a $1000 car pay the same as a $100,000 car? Probably never, because it DOESN'T MAKE SENSE. As long as an auto insurance company offers more than ONE price, for every person, every policy, every coverage, every car, every state . . . SOMEONE is going to be on the higher end of that see-saw.
Now cowboy up, and get over it.