In most states, car policy companies are allowed to consider your gender when setting car policy rates. Over the class of their lifetimes, women tend to pay slightly less — but entirely by a modest come. Younger men and women will see the biggest gender break, while adult drivers can typically expect a price remainder between men and women of less than 1 % .

Who pays more for car insurance, men or women?

For the most function, men and women pay about the same measure for cable car indemnity. For distinctive adult drivers, we found alone a little difference between the cost of policy between men and women .
We found a price difference of less than 1 % between men and women in their 30s .
It ‘s worth noting that different insurers we looked at factored in gender slenderly differently. Geico charged women slenderly more, while Progressive charged them slightly less. Allstate and State Farm both kept their rates precisely the same, careless of sex.




Percentage difference

Allstate $2,493 $2,493 0.0%
Geico $1,707 $1,682 1.5%
Progressive $1,963 $2,048 -4.2%
State Farm $1,160 $1,160 0.0%

The cost deviation among insurers was well greater than the difference between men and women — which is why it ‘s sol important to compare rates to find the cheapest car policy for you .

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Age affects the insurance cost gap between genders

While pornographic men and women pay about the lapp sum for car insurance, the break changes as drivers get older .
While all teens pay more for car indemnity than older adults, teenage boys pay the most of all. Our sample distribution male child driver got a quotation for $ 4,946 per year, or $ 328 more than a girl of the same old age .
On the other hand, a 32-year-old man can expect to pay about $ 15 more per year than a charwoman.

Bar graph showing price difference between men and women over their lifetimes




Percentage difference

17 $4,618 $4,946 -6.6%
24 $2,159 $2,277 -5.2%
32 $1,831 $1,846 -0.8%
65 $1,364 $1,401 -2.6%

Why do men pay more for car insurance?

policy companies do n’t explain directly why one group of people pays more for car insurance than another. But in general, insurers charge more for people who are statistically more likely to be involved in an accident or make a claim on their policy .
In other words, insurers have found that boys and young men are more likely to get in car accidents than other people — even more than young women. Young men may be more probably to purchase a sports car, focal ratio or take risks behind the wheel .

Some states don’t permit gender to impact insurance rates

There are a few states that explicitly forbid insurance companies from considering sex when it comes to indemnity rates. Those states are :
If you live in one of these states, your insurance company can not take your sex into circumstance when setting rates — in most cases, the insurance company wo n’t even ask .

Save on insurance, no matter your gender

Whether you ‘re male, female or nonbinary, if you ‘re having worry finding an low-cost price for cable car indemnity, there are several ways for you to bring down your monthly rate .
first base, shop around. Every car insurance company sets rates differently, and a gene like a speeding tag might have a smaller affect on your rates at one company than another. We recommend shopping for car policy at least every two years, or any clock time you experience a life change that could impact your rates .
second, maximize how many discounts you’re eligible for. Some insurers offer more discounts than others, but there ‘s no single insurance company that offers every discount under the sun. You might find big savings for dear grades at one insurance company, or a deduction for being a teacher at another. Just make sure you ‘re not leaving money on the table by not applying for discounts that you ‘re eligible for .
Two peculiarly big discounts to look into are pay-per-mile insurance and telematics. These similar programs use a circuit board device or a smartphone app to see how much or how safely you drive and adjust your rates accordingly .
A pay-per-mile insurance program tracks how much you drive and charges you a per-mile pace ( in addition to a monthly foundation ). If you do n’t use your car much, this kind of program can be a great way to reduce your placard .
On the early hand, a telematics device plainly monitors your driving habits. If you are a safe driver, you ‘ll see your rates go down, regardless of how much you use your car .

Frequently asked questions

Which gender pays more for car insurance?

Men tend to pay more for cable car policy overall, though the difference is slight — about 1 %. The difference is most pronounce for teens and youthful adults.

Why do men pay more for car insurance?

All car policy rates are set based on historical data and statistical correlation. If an insurance company has found that a certain group is more likely to make a claim or be involved in a crash, that insurance company will charge higher rates to that group .


We compared rates for male and female drivers in Indiana. Our sample drivers all had a full coverage policy on a 2015 Honda Accord .
ValuePenguin ‘s rate data was provided by Quadrant Information Services. Quotes are publicly sourced from insurance company filings and intended for relative purposes merely. Your own rates could differ .

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