The Real Reason Why Detroit's Auto Insurance Is So High

One of the hot-button issues for Democrats in Michigan and Detroit is the complaint that Detroit's auto insurance rates are incredibly high, as in on average $4,000 a year for insurance high. Of course, the Democrats tend to claim this is due to racism. There's a reason for the rates being so high, and it isn't racism. Lets take Y for an example. Why Y? Well, why not? Y is a female Detoriter