> non-black people in those "black neighborhoods" are also paying the "racist" premium. It's not like non-black people are paying 10% less while living on the same block and purchasing the same insurance.
Yes, of course this is true, no scare quotes necessary. I don't see the article making any claims to the contrary either, so again, where is the dishonesty? To use your example, if there was an article claiming that men pay more for car insurance, would you call that dishonest?
The point is not that insurance companies are directly looking at people's race and charging them differently based on it. The point is that all of those covariate factors that make the insurance more expensive in Black neighborhoods are themselves the result of institutional racism, unless you think it's just coincidence that Black neighborhoods have higher crime rates, lower employment, etc.
It follows fairly directly that if predominantly Black neighborhoods pay more for insurance, then Black people pay more for insurance. Yes, if a white person moves into a Black neighborhood, they will also pay more for insurance; this is no less the result of institutional racism.
