In the shadow of Factory ZERO
Inside General Motor's Hamtramck Assembly Center in Detroit, man and machine work in sync to produce one of GMC's newest models, the Hummer EV. Since 1911, several iterations of this factory have rolled out millions of vehicles, from Dodge to Buick to Oldsmobile to Cadillac.
The story we're here to tell isn't about this city or this cathedral of cars. Instead, we're here to talk about 48211, the neighborhood surrounding Factory ZERO, as the assembly center is known. Several blocks of private homes, many vacant, together have the distinction of being in the ZIP code with the absolute highest insurance prices in the nation.
Why is 48211 so expensive for auto insurance? And why is location such an impactful rating factor? We'll cover all of that.
But first, let’s look at the history of this neighborhood and the fascinating city in which it is rooted.