A logical person would chalk this up to the unfortunate fact that minority dominant neighborhoods tend to be low income neighborhoods (more on discriminatory housing practices when we start HousingBuzz) and therefore more prone to risk, however the study found that the variation in price remained even when risk factors were equal. This video released by Consumer Reports tracks Ryan Hedges and Otis Nash, both car owners in Chicago who live in different neighborhoods and are covered by the same insurance company. Nash drives a 2012 Honda Accord and pays $190 a month while Hedges owns a 2015 Audi Q5 and pays only $54 per month. The difference? Location location location.