Is insurance cheaper in Indian neighborhoods? Probably.. Indians in America are richer than average and thus their neighborhoods have less crime

This is a surface level problem of something much deeper which is the preponderance of poor disproportionately black neighborhoods. Most blacks are middle class and live in diverse area but for whatever reason just as there exist China towns there exist black neighborhoods that remain so and suffer from disproportionately high rates of crime and poverty. This is what needs to be fixed .. the insurance pricing is just a symptom of that.

A more interesting metric is what is the average payout and claim rate in these same neighborhoods with high premiums. How does the premium relate to those two measures?