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my car insurance company doubles up my first monthly payment if i dont use auto pay. is this considered discrimination. Why should I be penalized for not giving access to my bank account.....

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    You'll need to provide a jurisdiction for a useful answer, but I think we all know the answer already, which is that discrimination is legal, unless a law says otherwise. Discrimination on the basis of race is illegal; discrimination on the basis of payment structure is generally quite legal.
    – bdb484
    Jun 6, 2022 at 17:10
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    You also are likely not being "penalized" but rather willingly giving up a discount by choosing one payment alternative vs. the other.
    – jwh20
    Jun 6, 2022 at 17:17

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It may be discrimination, but it is not discrimination based upon any reason that the company is prohibited from engaging in. This conduct is legal in pretty much all U.S. jurisdictions.

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