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Why do men pay more for car insurance than women?


Females between the ages of 18 and 25 generally pay lower car insurance rates than their male counterparts. This is because women in this age group have fewer accidents and moving violations than males in the same age group, statistics show.

Insurance companies consider the risk factors for every driver they insure before determining their rates. These risk factors include age, marital status, location, driving record, claims history, vehicle type, occupation, education, miles driven per year, years of driving experience, how you use your vehicle, and your current insurance limits.

Statistics: male drivers vs. female drivers

According to the National Highway Traffic Safety Administration:

  • More than 70 percent of people involved in fatal car crashes in 2009 were men.
  • There are more men on the road than women. About 93 percent of all men age 16 and over drive versus 85 percent of all women age 16 and older.
  • Men crash 12 percent more on weekends than women.
  • Men are behind the wheel in 24 percent more fatal nighttime crashes than women.
  • Men are involved in rear-end accidents 30 percent more often than women.
  • Men who do not have a valid license are involved in fatal crashes 50 percent more often than women.
  • Women wear seatbelts 27 percent more often than men.
  • DUIs issued to men outnumber those issued to women by more than 2 to 1.
  • 25 percent of men involved in a fatal crash had been previously issued a speeding ticket, while only 17 percent of women in fatal crashes were stopped for speeding.
  • Men are two times more likely to drive with a suspended license than women.


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1 Responses to "Why do men pay more for car insurance than women?"
  1. Anonymous

    Great question and answer.