But they do use credit score, which negatively affects poor people. They say it is because people with poor credit are more likely to file a claim (note it isn't because of poor driving, just simply ability to cover a smaller incident).

They also use crime rates in an area, how far you drive to work, whether or not you have off street parking - and if that parking is by your house or not. All indicators of a person's finances.

Civil status affects insurance rates - after getting divorced, my rates increased. I've never had a ticket nor an accident. (I think they lower after marriage - somehow, you are assumed to be more responsible even though nothing else changed).

It is amazing how much doesn't depend on your actual driving habits. I understand some of it (ie, crime rate, how much you drive to work) because it does increase risk, but not things like whether or not I'm married.