African Americans pay more for Auto coverage than the whites.

Street violence in Ferguson to protest excessive force of a white policeman towards an African American youngster has a bit overshadowed other hot issues. Actually in every aspect of life in the USA non-whites face discrimination!
D'you know that African Americans and Hispanics pay more for auto coverage in this country? In comparison with the whites we pay higher insurance rates with the same driving record or claims history!

Insurance companies have established that Afros and Hispanics mostly belong to the drivers with low credit scores and this category of drivers is allegedly more likely to get into an accident! Their motives are ridiculous just! I've made a try to clear it up and found that there's no concrete evidence to support such a claim!
Still insurance companies stick to their line and they keep their scoring formulas secret to prevent any independent public review of the actual soundness of the formulas!! Moreover, insurance companies just don't bother to explore the accuracy of the credit info they use! How come?