Here in Denmark we also pay according to the risk profile of the area.
So isn't this more because of higher crime rate? And not actually related to skin color?
I'd expect as much. If I moved to Stockholm the traffic insurance on my car would double, and if my car was written on me rather than my mother it would double again (insurance companies hate young men).
When taken in context with the historical practice of red-lining, it's more racist than it appears. If a policy ends up charging a specific minority more than others, then that's probably the point. The Purpose Of a System Is What It Does.