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.

Car insurance for men


While it runs counter to commonly held beliefs, men paid less on average for car insurance in 2017 than did women — by a whole half a percent. According to our State of Insurance report, men paid an average of $1,427 per year for car insurance, while women paid just $1,434. Only young male drivers paid more than their female counterparts. We detail the reason 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
Gender Average Annual Premium
Men $2,511
Women $2,034
Difference $477

The typical insurance cost difference between a young male driver and a young female driver is nearly $500 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 25, the price difference is less than $100 per year.


AVERAGE ANNUAL CAR INSURANCE PREMIUMS: 20-TO-25-YEAR-OLDS
Gender Average Annual Premium
Men $1,693
Women $1,600
Difference $93


While men over the age of 30 enjoy relatively affordable car insurance rates, male drivers aged 20-to-25 are still considered relatively risky by insurance companies. Men in this age bracket pay nearly $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, GEICO 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 Company Average Six-Month Premium
GEICO $1,022
Progressive $1,289
State Farm $3,200
Allstate $2,447
Liberty Mutual $1,787


Car insurance rates for male drivers — by company

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


Car Insurance Company Average Six-Month Premium
Allstate $786
Geico $709
Farmers $677
Liberty Mutual $736
Nationwide $644
Progressive $729
State Farm $748
USAA $734

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!



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 - 75070
  • Scranton, PA - 93722
  • 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-tear-old male

Between September and December 2017, 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.