Joseph,
“No, I’m proposing the law be consistent. Either allow insurance carriers to discriminate premiums based on gender and race or disallow either.”
Discriminating directly based on race would be a violation of the Civil Rights Act of 1964, but that law and subsequent amendments do not address gender. However, auto insurance companies do indirectly discriminate based on race: they charge different rates by zip code, and predominantly minority zip codes tend to have much higher rates than predominantly white zip codes.