It's hard out here for a minority.

Not only do people of color tend to live in places not as well-served by schools, grocery stores and job opportunities, but they also end up paying more for car insurance.

At least that's the conclusion of personal finance website WalletHub, which this week revealed its 2014 California Car Insurance Landscape Report:
The site's analysis, which looked at California Department of Insurance data for more than one-third of car insurance buyers in the state, found that African Americans ($1,655 a year), Asian Americans ($1,348) and Latinos ($1,372), respectively, paid the highest rates when they lived in communities that were more than 50 percent minority.

We want the white person discount! (We dare you to, like, call your insurance agent and say, Yeah, I'm white now. So, uh, can you recalculate my premium?)

L.A. County, which is also more than 50 percent minority, also represents the place with the highest premiums in the state, as measured by frequency of car crashes, WalletHub says.

Credit: WalletHub

Credit: WalletHub

A rep from the site told us, “Areas with highly concentrated minority populations tend to have the highest car insurance premiums.”

The top 10 cities with the costliest insurance in California include, according to WalletHub:

1. Glendale (average annual premium: $1824.93)
2. Los Angeles ($1790.91)
3. Inglewood ($1647.77)
4. Santa Monica ($1637.31)
5. Burbank ($1616.75)
6. Compton ($1594.83).
7. Alhambra ($1514.07).
8. Hawthorne ($1504.41)
9. South Gate ($1498.12)
10. Pasadena ($1483.31)

Insert racist and/or ethnic joke here.

And what are Santa Monica and Pasadena doing on this list? Our theory is that local motorists are paying dearly to live in cities visited by thousands of tourists who drive like shite.

Your cheapest cities for auto coverage appear to be in the Silicon Valley suburbs, rural Northern California, and idyllic SoCal coastal areas.

Credit: WalletHub

Credit: WalletHub

Good deal, but now you can't afford the rent.

Send feedback and tips to the author. Follow Dennis Romero on Twitter at @dennisjromero. Follow LA Weekly News on Twitter at @laweeklynews.

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