{"id":320876,"date":"2025-11-07T14:59:49","date_gmt":"2025-11-07T19:59:49","guid":{"rendered":"https:\/\/www.reviews.com\/?p=133432"},"modified":"2025-11-07T14:59:49","modified_gmt":"2025-11-07T19:59:49","slug":"how-gender-scores-affects-rates","status":"publish","type":"post","link":"https:\/\/www.reviews.com\/insurance\/car\/how-gender-scores-affects-rates\/","title":{"rendered":"How Gender Affects Auto Insurance Rates"},"content":{"rendered":"\n\n\n<p>Do men or women pay more for auto insurance? Recent analyses show the answer depends on age, state rules, and the insurer. For example, the <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.insurancejournal.com\/news\/national\/2019\/02\/12\/517466.htm\" target=\"_blank\">Insurance Journal<\/a> writes, \u201cWhat? Women Pay More Than Men for Auto Insurance? Yup.\u201d while <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.esurance.com\/info\/car\/why-women-pay-less-for-car-insurance\" target=\"_blank\">Esurance<\/a> has a page titled \u201cWhy Women Pay Less for Car Insurance.\u201d&nbsp;<\/p>\n\n\n\n<p>Current 2024\u20132025 market data indicate that men generally pay slightly more on average nationwide, with the largest differences among teen and early-20s drivers; by the mid-30s, gaps are often small or near zero for many carriers and states. In jurisdictions that prohibit gender as a rating factor, no male\u2013female difference is filed by law.&nbsp;<\/p>\n\n\n\n\n\n<p class=\"xx-small\"><font color=\"#999999 \"><em>These rates are a sample set meant only for general comparison. Your own premium will vary. Learn how we tested rates for men and women age 23 to 35 below. <\/em><\/font><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why gender differences vary \u2014 and why young men often pay more&nbsp;<\/h2>\n\n\n\n<p>Auto insurance prices are all about risk, and crash and fatality data show men engage more in risky driving behaviors and are overrepresented in severe crashes. According to the <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.iihs.org\/topics\/fatality-statistics\/detail\/gender\" target=\"_blank\">Insurance Institute for Highway Safety<\/a>:&nbsp;<\/p>\n\n\n\n<ul><li>Men are involved in more fatal collisions than women<\/li><li>Men are involved in more speeding-related collisions than women<\/li><li>Men are involved in more DUI-related collisions than women&nbsp;<\/li><\/ul>\n\n\n\n<p>These disparities in driving habits tend to shrink through the 20s and are often minimal by the mid-30s, which helps explain why many adult drivers see little or no gender price difference.<\/p>\n\n\n\n<p>There\u2019s also speculation that <a href=\"https:\/\/www.esurance.com\/info\/car\/why-women-pay-less-for-car-insurance\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">men tend to choose riskier cars than women<\/a>, which would raise rates by default as insurers consider a vehicle\u2019s safety rating when setting premiums. However, this applies on a case-by-case basis and rates will vary depending on your own vehicle.&nbsp;<br><\/p>\n\n\n\n<p><a href=\"https:\/\/www.reviews.com\/insurance\/car\/how-dui-affects-your-premiums\/\">Related: Learn how a DUI affects auto insurance rates<\/a><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Where gender-based auto rating is banned (and where it isn\u2019t)&nbsp;<\/h2>\n\n\n\n<p>If you think this pricing system seems unfair, you aren\u2019t alone. In recent years, some states \u2014 including California, Hawaii, Massachusetts, and Michigan \u2014 and the District of Columbia have prohibited gender-based rating altogether. Many of these jurisdictions also limit or prohibit practices like <a href=\"\t\nhttps:\/\/www.reviews.com\/insurance\/car\/how-credit-scores-affects-rates\/\">credit-based insurance rating<\/a> in favor of a more merit-based pricing system.&nbsp;<br><\/p>\n\n\n\n<p>In places that ban gender-based rating, male\u2013female premium differences are eliminated by rule for equivalent profiles. Elsewhere, outcomes vary by insurer and profile \u2014 and some recent consumer analyses even find cases where women pay more. Concerns about redistribution in the risk pool remain, <a href=\"https:\/\/www.cbsnews.com\/news\/car-insurance-california-bans-gender-as-a-factor-in-setting-rates\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">as reported by CBS News<\/a>. However, it\u2019s hard to attribute any single outcome to one factor given broader market shifts.&nbsp;<br><\/p>\n\n\n\n<p>California was among the first large states to eliminate gender-based auto rates (effective in 2019), and Michigan followed with reforms that prohibit sex-based rating (effective in 2020). In states that still allow gender, adult differences are typically small on average, with the largest gaps among teen and young adult drivers.&nbsp;<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The States Where Men Pay Significantly More for Auto Insurance&nbsp;<\/h2>\n\n\n\n<p>Gender gaps vary by insurer and age group, and they tend to be widest for teen and early-20s drivers in states where gender remains an allowed factor. If you find yourself paying high auto insurance premiums (regardless of gender), use these <a href=\"https:\/\/www.reviews.com\/insurance\/car\/how-to-get-cheap-insurance\/\">tips to get a lower rate while still keeping great coverage<\/a>.&nbsp;<br><\/p>\n\n\n\n\n\n<p class=\"xx-small\"><font color=\"#999999 \"><em>Based on data for drivers age 23 to 35. Learn more about how we tested rates below. <\/em><\/font><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Auto Insurance Rate Gap for Men and Women by State&nbsp;<\/h2>\n\n\n\n\n\n<p><script id=\"infogram_0_4dd840b1-53a6-45c7-b7a5-645f5c260def\" title=\"Gender_Rate_Gap\" src=\"https:\/\/e.infogram.com\/js\/dist\/embed.js?TrP\" type=\"text\/javascript\"><\/script><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"xx-small\"><font color=\"#999999 \"><em>Based on data for drivers age 23 to 35. Learn more about how we tested rates below.&nbsp;<\/em><\/font><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Our comparisons reflect current market patterns: small average gender differences for most adult drivers, larger gaps among teen and young adult drivers, and no gender-based differences in jurisdictions that ban the factor. Overall premium levels have risen since 2022\u20132024 due to higher claim costs; the incremental effect of gender is comparatively small versus drivers like age, location, vehicle, coverage, violations, and (where allowed) credit.<\/p>\n\n\n\n<p>Results vary by insurer and state. Where gender is prohibited, carriers file gender-neutral rates by rule; where allowed, some carriers show negligible adult relativities while larger differences are concentrated in youthful driver classes.<\/p>\n\n\n\n<p>Figures shown are for general comparison only and may differ from individual quotes. Always align coverage, driver profile, vehicle, and location when comparing rates across sources.<\/p>\n\n\n\n<p>We worked with <a href=\"https:\/\/www.quadinfo.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Quadrant Information Services<\/a> to provide data on men\u2019s and women\u2019s auto insurance rates in all 50 states. Quadrant makes this information available using rate data insurers are required to file with state Departments of Insurance. Rates are based on sample profiles created by Reviews.com for comparative purposes. <\/p>\n\n\n\n<p>Auto insurance prices shown here include drivers age 23, 27, 31, and 35, both male and female, driving a 2017 Toyota Camry with annual mileage of 15,000. All driver profiles have a credit tier of \u201cgood\u201d and a clean driving record. We tested for six different coverage levels, including:&nbsp;<\/p>\n\n\n\n<ul><li>State minimum liability coverage, with and without collision and comprehensive coverage with a $500 deductible<\/li><li>50\/100\/25 liability coverage, with and without collision and comprehensive coverage with a $500 deductible<\/li><li>100\/300\/50 liability coverage, with and without collision and comprehensive coverage with a $500 deductible<\/li><\/ul>\n\n\n\n<p>We checked rates for the top four to 10 insurers in every state by market share, with data from more than 34,000 ZIP codes across the U.S. These rates are a sample set meant for comparison only. Your own rates will vary.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What\u2019s Next?&nbsp;<\/h2>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/how-to-get-cheap-insurance\/\">tips to get a lower rate while still keeping great coverage<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/how-dui-affects-your-premiums\/\">Related: Learn how a DUI affects auto insurance rates<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-cheap\/\">Explore the best cheap auto insurance companies<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Do men or women pay more for auto insurance? Recent analyses show the answer depends on age, state rules, and the insurer. For example, the Insurance Journal writes, \u201cWhat? Women Pay More Than Men for Auto Insurance? Yup.\u201d while Esurance has a page titled \u201cWhy Women Pay Less for Car Insurance.\u201d&nbsp; Current 2024\u20132025 market data [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":133700,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1266],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Gender Affects Auto Insurance Rates - Reviews.com<\/title>\n<meta name=\"description\" content=\"Using this guide you can understand How Gender Affects Auto Insurance Rates\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/how-gender-scores-affects-rates\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Gender Affects Auto Insurance Rates - 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