Car Insurance for Men

Do men pay more for car insurance? Let's take a look at the numbers and find cheap auto insurance for men.

or
Location pin icon
Your information is secure.

Car insurance for men

 

While it runs counter to commonly held beliefs, men paid less on average for car insurance in 2018 than did women — by a little over half a percent. According to our State of Insurance report, men paid an average of $1,469 per year for car insurance, while women paid $1,479. Only young male drivers paid more than their female counterparts. We will detail the reasons behind gender-specific insurance pricing discrepancies and ways for men to save on auto insurance below.

 

Why is car insurance different for men?

 

  1. Why do car insurance premiums vary by gender?
  2. Cheap car insurance rates for men
  3. Additional ways to save on auto insurance

 


 

Why does car insurance cost more for men or women?

 

Car insurance pricing is all about determining risk by assessing a variety of rating factors. Some factors — like driving history — influence insurance rates substantially. Others, like gender, are only important when you’re young.

AVERAGE ANNUAL CAR INSURANCE PREMIUMS: 16-TO-19-YEAR-OLDS
GenderAverage Annual Premium
Men$6,591
Women$5,736
Difference$855

 

The typical insurance cost difference between a young male driver and a young female driver is near $900 per year. Car insurance companies see young male drivers as more likely to take risks behind the wheel and charge more to insure them accordingly.

As drivers get older, the price discrepancy between car insurance for men and women gets much less dramatic. In fact, for drivers between the ages of 20 and 24, the price difference is a little more than $100 per year.

AVERAGE ANNUAL CAR INSURANCE PREMIUMS: 20-TO-24-YEAR-OLDS
GenderAverage Annual Premium
Men$3,135
Women$3,006
Difference$129


While men over the age of 30 enjoy relatively affordable car insurance rates, male drivers aged 20-to-24 are still considered relatively risky by insurance companies. Men in this age bracket pay over $100 more per year than women.

 

 


 

Cheap car insurance for men

 

As a whole, men do pay less for car insurance on average, but the difference is small. The best way to find cheap auto insurance for men is to compare rates from as many companies as possible. Using user profiles outlined here, we’ve done some of the legwork for you.

Cheap car insurance for young male drivers — by company

Based on our analysis, State Farm provides the cheapest car insurance for young male drivers. Consider this an estimate and merely a starting point, as your rates will undoubtedly vary, based on your personal rating factors. The most cost-effective way to find car insurance is to shop thoroughly.

Car Insurance CompanyAverage Six-Month Premium
GEICO$2,171
Progressive$2,249
State Farm$1,733
Allstate$2,581
Liberty Mutual$1,787

 

Car insurance rates for male drivers — by company

Below are pricing estimates for a 30-year-old man driving a six-year-old vehicle with standard full coverage and a six-month premium. For this user profile, the cheapest company was USAA, with State Farm closely behind.

Car Insurance CompanyAverage Six-Month Premium
Allstate$1,084
GEICO$833
Farmers$859
Liberty Mutual$736
Nationwide$868
Progressive$859
State Farm$702
USAA$653

 

Consider this information as a starting point, and use it to begin — but not end — your search for insurance. Every company will assess your rating factors differently.

 

Compare car insurance rates today!

or
Location pin icon
Your information is secure.

 

Additional resources

 

If you're looking for ways to save on car insurance or more information regarding car insurance by gender, see our additional articles below!

 


 

Methodology

 

Young driver

We randomly selected five zip codes in five areas in the US, using the five most popular companies nationwide, based on net premiums written. Chosen zip codes:

  • Columbus, OH - 43216
  • McKinney, TX - 75070
  • Fresno, CA - 93722
  • Scranton, PA - 18505
  • Aurora, CO - 80013

Information used for the parents of teen driver profiles:

  • Parent's DOB: 08/01/1960
  • Mother's Vehicle: 2015 Toyota Sienna LE, owned, driving 12,000 miles/year
  • Father's Vehicle: 2015 Toyota Crewmax, owned, driving 12,000 miles/year
  • Driving Record: no accidents or citation
  • Education: BA
  • Licensed at: 16
  • Occupation: Manager Level - Accounting
  • Insurance History: Max amount selectable of previous years with insurance company, limits at 100/300/100

Teen driver profile information:

  • Teen's DOB: 08/01/2000
  • Teen's: 2015 Toyota Camry, owned, 12,000 miles/year
  • Driving Record: no accidents or citation
  • Education: Above B Above
  • Licensed at: 17
  • Occupation: None

 

30-year-old male

The Zebra conducted comprehensive auto insurance pricing analysis using its proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra examined nearly 53 million rates to explore trends for specific auto insurance rating factors across United States zip codes, averaged by state, including Washington, DC.

Analysis used a consistent base profile for the insured driver: a 30-year-old single male driving a 2013 Honda Accord EX with a good driving history and coverage limits of $50,000 bodily injury liability per person/$100,000 bodily injury liability per accident/$50,000 property damage liability per accident with a $500 deductible for comprehensive and collision. For coverage level data, optional coverage (that must be rejected in writing) is included where applicable, including uninsured motorist coverage and personal injury protection.

National property and casualty losses information is from the Insurance Information Institute and the NOAA National Centers for Environmental Information U.S. Billion-Dollar Weather and Climate Disasters report.

For vehicle make and model data, analysis referenced the most popular vehicles in the U.S. by 2016 year-end sales according to Goodcarbadcar.net’s automakers’ data.

Some rate data may vary slightly throughout report based on rounding.