What Gender Pays More for Car Insurance? (2024) (2024)

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What Gender Pays More for Car Insurance?: Overview

Male drivers (especially teens and young adults) get into more fatal car accidents, according to 2021 data from the National Highway Traffic Safety Administration. They’re also more likely to drive under the influence. Because people who are considered high-risk drivers are more likely to file claims, car insurance companies tend to charge them higher premiums.

Average Car Insurance Costs for Men and Women

According to Quadrant Information Services, the national average cost of car insurance is $1,340 per year or $112 per month for women and $1,391 per year or $116 per month for men for full coverage. That means men pay about $51 more per year or about 4% more than women on average.

The table below lists average costs of full-coverage auto insurance for men and women throughout the country. Florida is the only state to have a lower average rate for male drivers, but the difference is only $1.

LocationAverage Annual Cost for Women*Average Annual Cost for Men*Difference Between Genders
New Hampshire$1,058$1,1377%
New Jersey$1,697$1,7503%
New Mexico$1,120$1,1704%
New York$2,242$2,2551%
North Carolina$966$9660%
North Dakota$980$1,0264%
Rhode Island$1,524$1,6216%
South Carolina$1,381$1,4213%
South Dakota$1,093$1,1606%
Washington, D.C.$1,402$1,5268%
West Virginia$1,220$1,3198%

*These averages include data from the 50 to 100 most populous cities and the five to 10 most popular car insurance providers in each location.

Does Gender Affect Car Insurance Rates in Every State?

Not all states allow insurers to use the gender listed on your driver’s license as a factor for determining your car insurance premium. These are the states that don’t allow someone’s gender to influence their insurance rate:

  • California
  • Hawaii
  • Massachusetts
  • Michigan
  • North Carolina
  • Pennsylvania

Average Car Insurance Cost by Company

While the gender listed on your driver’s license can affect how much you pay for car insurance, so can the insurance company you choose. The table below shows some of the largest providers’ average full-coverage rates for men and women.

Insurance ProviderAverage Annual Cost for Women*Average Annual Cost for Men*Difference Between Genders
State Farm$1,096$1,1716%
American Family Insurance$1,199$1,2423%

*These averages include data from the 50 to 100 most populous cities and the five to 10 most popular car insurance providers in each location.

Other Factors That Impact Your Car Insurance Premium

There’s no one formula that insurance providers follow to set rates. So while one company might put more emphasis on gender, another might care more about your age, location or marital status.

What Gender Pays More for Car Insurance? (2024) (2)

How Age Influences Your Insurance Premium

A driver’s age has a big impact on their insurance rate, particularly for teenagers. As new drivers, teenagers are typically the riskiest motorists on the road.

Once drivers age out of their teens, rates start to decrease substantially. For instance, 21-year-old drivers pay an average of about 60% less for full coverage than 16-year-old drivers do. From there, rates steadily decline until drivers hit their mid-70s.

Seniors are expensive to cover because they statistically get into more accidents and have more severe injuries than their younger peers. Older drivers also require more expensive medical treatment after accident-related injuries.

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How To Save Money on Car Insurance

When shopping for auto insurance, ask if there are any discounts you qualify for. Many car insurance companies offer savings for things like being a customer for a number of years, belonging to a professional organization or having certain safety features in your car. And if there’s a teenage driver on your insurance policy, ask providers about discounts like those for good students or for college students who are living away from home without cars.

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Telematics Insurance Could Reduce Your Rate

If you have safe driving habits, telematics insurance could lower your rate. Also known as usage-based insurance, these programs track your driving through a mobile app or a device that plugs into your car.

Telematics insurance can reduce your premium if you avoid things like driving late at night or speeding. While some insurers will just not give you a discount if you show risky driving habits while enrolled in a telematics program, others will raise your rate.

Allstate Drivewise stands out with its large discount and its promise not to increase your auto insurance premium based on bad driving habits. State Farm’s Drive Safe & Save™ discount is ideal for someone who doesn’t drive much.

Telematics ProgramDiscountCan Your Premium Increase?
State Farm Drive Safe & SaveUp to 30%Yes, if you get a low-mileage discount and exceed the limit
Geico DriveEasyNot specifiedYes, depending on the state you live in
Progressive SnapshotⓇAn average of $94 when you sign up and $231 when you renew your policy after completing the programYes
Allstate DrivewiseUp to 40%No

What Gender Pays More for Car Insurance?: Conclusion

While the gender listed on your license is typically a factor in how much you pay for insurance, several other elements come into play. In general, female drivers pay less for car insurance coverage. However, your age, your insurance provider and where you live also have a major impact on your premium.

Top Auto Insurance Recommendations

Shopping around for car insurance can make a big difference in what you pay for coverage. Get insurance quotes from at least three providers and compare car insurance rates before choosing a policy. We recommend starting with State Farm and Geico.

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State Farm: Best Customer Experience

State Farm’s coverage options and its low average rates for many types of drivers helped it earn the title of Best Customer Experience in our review of car insurance companies. Safe drivers can save money on their coverage with State Farm’s Drive Safe & Save telematics program, good driving discount and accident-free discount.

Keep reading: State Farm insurance review

Geico: Best for Budget-Conscious Drivers

Geico’s average rates tend to be significantly lower than national averages, which is part of why we named it Best for Budget-Conscious Drivers. The insurer also has 16 discounts, including its DriveEasy telematics program, defensive driving discount and good student discount.

Keep reading: Geico insurance review

What Gender Pays More for Car Insurance?: FAQ

Below are frequently asked questions about how gender affects car insurance premiums.

Yes, female drivers pay less for car insurance on average, but the difference is only about 4%. On average, women pay $1,340 per year for full coverage, while men pay $1,391 each year.

Men pay more for auto insurance on average because they’re statistically more likely to get into accidents and to have major injuries. However, male drivers only pay about $51 more per year than their female counterparts on average.

The average difference between full-coverage car insurance rates for males and females is about 4% on average. This comes out to men paying an average of about $51 more per year.

Each company calculates auto insurance rates differently, but these are some of the factors they commonly use to determine premiums:

  • Age
  • Gender
  • Location
  • Driving history
  • Credit score

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

  • Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
  • Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
  • Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
  • Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
  • Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

  • 800 hoursresearched
  • 45 companiesreviewed
  • 8,500+ consumerssurveyed

*Data accurate at time of publication.

What Gender Pays More for Car Insurance? (2024) (2024)


Which gender pays more car insurance? ›

In general, car insurance companies charge male drivers more for coverage because they're more likely to get into accidents. But while most states allow insurers to consider gender when setting rates, your age, location, insurance provider and driving record usually make a bigger difference.

Which group pays the most for car insurance? ›

Young drivers ages 16 to 24 tend to have the most expensive car insurance. Drivers in this age group are often inexperienced and are more likely to get into car accidents and file insurance claims. As a result, car insurance companies often charge higher premiums to young drivers.

Is insurance higher for guys or girls? ›

Some states don't permit gender to impact insurance rates

There are a few states that explicitly forbid insurance companies from considering gender when it comes to insurance rates. Those states are: California.

Which age group of men pays the most for car insurance? ›

In California, Hawaii, and Massachusetts, age won't have a direct effect on how much you pay for car insurance. Other factors will still have an impact, though. Your driving record, credit score, and marital status can all affect your final premium.

Why does gender matter in insurance? ›

Historically, insurance companies have used gender as a factor in setting rates, with young male drivers typically paying higher premiums due to statistical data showing they are more likely to be involved in accidents. However, the use of gender in insurance pricing varies by state and insurance provider.

What is the gender in the insurance industry? ›

In fact, of all entry-level workers in the industry, which make up about 70 percent of employees, more than half are women. At the board level, 40 percent of seats in insurance are held by women.

Is female car insurance more expensive? ›

These states have banned the use of gender to set car insurance premiums: California. Hawaii. Massachusetts.

Which group is cheapest to insure? ›

Cars in group 1 are the least risky from an underwriter's perspective and the cheapest to insure.

Who typically has the cheapest car insurance? ›

The top 10 cheapest car insurance companies are Nationwide, Geico, State Farm, Travelers, Progressive, AAA, Allstate, Chubb, Farmers and USAA.

How does gender affect car insurance? ›

States that do not currently allow using gender to determine auto insurance rates include: California. Hawaii. Massachusetts.

Does credit score affect car insurance? ›

On average, drivers with poor credit pay 118 percent more for full coverage car insurance than those with excellent credit. California, Hawaii, Massachusetts and Michigan prohibit or limit the use of credit as a rating factor in determining auto insurance rates.

Why does insurance go down when you get married? ›

Married people are often seen by insurance companies as more stable and therefore, less of a risk. This means combining your car insurance can save you money. Plus, having multiple vehicles on a policy, and/or adding renters or homeowners insurance can mean even more discounts.

At what age is car insurance cheapest? ›

Car insurance is the cheapest for drivers between the ages of 35 and 55. Car insurance is very expensive for teens because they have a high risk of accidents, and then it decreases sharply as drivers age into their 20s and develop more reliable driving habits.

Does car insurance go down at 25 for men? ›

On average, auto insurance rates for 25 year olds are cheaper than rates for younger drivers. Auto insurance premiums tend to decrease as you get older, up until about age 75 when they start increasing again.

What is the cheapest car insurance for senior citizens? ›

Cheapest Car Insurance for Seniors
  • Geico - $267 per year.
  • USAA - $286 per year.
  • Liberty Mutual - $327 per year.
  • Travelers - $579 per year.
  • Nationwide - $622 per year.
  • State Farm - $655 per year.
  • Direct Auto - $858 per year.
  • Mercury - $909 per year.

Why do men under 25 pay more for car insurance? ›

Statistically speaking, more male drivers under the age of 25 are involved in auto accidents than female drivers. This is the leading reason why insurance is higher for males. Regardless of how you identify, find the lowest insurance for men or women today! Use our FREE online tool above to get started!

Why is male life insurance higher than female? ›

This is simply because the risk of a life insurance company paying a claim sooner for a male than they will for a female is statistically much higher. Life insurance actuaries examine mortality rates and set higher rates for men because women live longer.

Is non-binary car insurance cheaper? ›

Because insurance companies don't have sufficient data on nonbinary drivers, they'll often average the rates of a male and female driver with your criteria to determine your rate. Simply comparing quotes from different companies could help you find a cheaper rate without sacrificing on coverage.

Can car insurance companies discriminate based on gender? ›

Insurance companies are prohibited from pricing insurance according to gender in the following states: California.

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