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CHICAGO, IL - February 21:

Charles Holt, who has driven the streets of Chicago for 50 years without ever having an accident, poses for a portrait outside of his home. Despite his excellent driving record, he sometimes struggles to afford the $3,000 a year it costs him to insure his silver 2014 Chevy Impala.

(Photo by Alyssa Schukar for ProPublica)

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Alyssa Schukar
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CHICAGO, IL - February 21:<br />
<br />
Charles Holt, who has driven the streets of Chicago for 50 years without ever having an accident, poses for a portrait outside of his home. Despite his excellent driving record, he sometimes struggles to afford the $3,000 a year it costs him to insure his silver 2014 Chevy Impala.<br />
<br />
(Photo by Alyssa Schukar for ProPublica)
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