Pay-As-You-Drive Auto Insurance: A Simple Way to Reduce Driving-Related Harms and Increase Equity (Brookings, 2008)

Auto insurance costs about as much as fuel, but we basically pay for it at a flat rate, so there are no efficient price signals. Low-mileage, often low-income drivers subsidize higher mileage, generally high-income drivers, and the total amount of driving is much more than it would be with better price signals.
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