The consumer group Citizens Advice has raised concerns that individuals from minority ethnic backgrounds are paying £307 on average more for their motor insurance.We committed to examining the concerns raised by Citizens Advice and looking in more detail at whether specific customer groups pay more, including those from minority ethnic backgrounds. As a regulator, we have access to data which is representative of the wider market and detailed about policies, including risk measures.Our analysis drew upon data from 6 million policies, covering over half the UK market by insurer and including both predicted and actual claims costs. We merged our data with ethnicity data from the Office of National Statistics for local areas covering 1,000–3,000 residents.