CeADAR 和 Idiro Analytics 在 2021 年进行的爱尔兰研究发现，贫困、种族多元化地区的汽车保险报价更高。 2021 Irish study by CeADAR and Idiro Analytics finds car insurance quotes in deprived, ethnically diverse areas are higher.

一项新的研究表明，居住在爱尔兰贫困或种族多元化地区的人更有可能获得更高的汽车保险报价。 A new study reveals that living in a deprived or more ethnically diverse location in Ireland increases the likelihood of receiving a higher car insurance quote. 这项研究由 CeADAR 和 Idiro Analytics 进行，分析了来自 20 个地点 10 家公司的 40,000 份汽车保险报价。 The research, conducted by CeADAR and Idiro Analytics, analyzed 40,000 car insurance quotes from 10 companies across 20 locations. 研究结果显示，驾驶经验和保单期限等因素受到驾驶员家庭住址的影响，导致出现极端情况，即富裕地区的年轻驾驶员获得的报价低于贫困地区的老年驾驶员。 The findings show that factors such as driving experience and policy length are influenced by a driver's home address, leading to extreme cases where younger drivers in affluent areas receive lower quotes than older drivers in poorer locations. 此外，保费因罚分而增加的幅度因驾驶员所在地点而异。 Additionally, the extent to which premiums increase due to penalty points varies depending on the driver's location.