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Why do males pay more auto insurance than females?


Prices vary from company to company. It is usually determined by claim experience over time, but with all factors being equal, a female between the ages of 18 and 25 will generally pay less then her male counterpart. This is because generally speaking younger women have fewer accidents and moving violations than males in the same age group.

Some of the reasons that this is the case is because males on average drive more then females. And if you drive more then your odds of being in an accident increase. Also, young men are more often risk takers behind the wheel. This often results in moving violation tickets. Both of those factors result in higher premiums.

Gender does affect your rates, because statistically females drivers have less incidents than males. Just like location (except in California), marital status, and driving history affects your rates.

Now for the good news, most insurance companies recognize that because you did drive more as a young man that when you are a bit older and your driving experience grows, you can look forward to paying less than women. This is especially true if you have a good driving record and no claims.

To find out the difference in price for a man or woman go here. Our car insurance quotes are always free.


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12 Responses to "Why do males pay more auto insurance than females?"
  1. Anonymous

    how is this not against the law?

  2. Anonymous

    Not fair

  3. Anonymous

    it told me everthing i needed to know

  4. Anonymous

    Females are more likly to crash because they talk on cell phones and text while driving...

  5. Anonymous

    a dumb penis tax

  6. Anonymous

    The constitution states that all men are created equal. If rates go up after a violation that is one thing, but if they are up just because of your gender, that is unconstitutional.

  7. Anonymous


  8. Anonymous


  9. Anonymous

    Is it not illegal to discriminate based on gender?

  10. Anonymous

    Because it tell you about it...

  11. Anonymous

    The questions were very helpful because I had asked the same question in my essay dealing with major issiues that affect my age group and generation.

  12. Anonymous

    so its a penis tax?