N.J. auto insurance costs more for renters, blue-collar workers, non-college grads. It’s discrimination, activists say.

For at least two decades Cuqui Rivera of North Brunswick hadn’t been in a car accident. She didn’t get a speeding ticket. Her only interaction with her auto insurance company was to cut them a check, which she did religiously. She was a model driver as far as insurance coverage goes.

Or at least she thought she was.

Then a few years ago, Rivera heard insurance companies weighed things like credit scores, education and employment when deciding how much to charge and she decided…