State regulators and consumer advocacy groups have scrutinized Allstate Corporation’s use of big data and personalized pricing in the way it calculates how much the company charges its private auto insurance customers. We tested whether Allstate’s personalized pricing algorithm treated customers differently based on non-risk factors by analyzing rare customer-level data we found in documents that were part of a 2013 rate filing submitted for approval and subsequently disapproved by Maryland regulators. This filing provides the most insight into Allstate’s retention model available to the public, with a level of detail that is typically shielded from public view by Allstate…
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