Is your credit score driving up your car-insurance premium? Black and Latino New Yorkers face an ‘illogical and deeply unfair’ pricing model, a new report says.

In New York state, a person with a perfect driving record and poor credit history may pay almost three times as much in average auto-insurance premiums each year as someone with a similar driving record and excellent credit, according to a new report from consumer advocates.

Statewide, New Yorkers with clean driving records and excellent…