Teen boys usually pay more for car insurance than girls, though the difference shrinks with age. Look for discounts, assess whether you need full coverage, and maintain safe driving habits to keep rates low.
Car Insurance for Men
- Car insurance rates for men tend to be slightly higher than those for women
- Rates vary by age, location, driving history, and vehicle type
- Young male drivers typically pay higher premiums due to increased risk factors.
Reviewed By Renata Balasco
Edited By Beth Swanson
Car insurance for men
Gender has been acar insurance rating factor for decades, even though many drivers don’t realize it affects what they pay. In most states, insurers still use gender to help predict risk, which can lead to small premium differences between men and women. Today, that gap is relatively minor: men pay an average of $2,184 per year, while women pay about $2,151—a difference of $33 per year, or 1.5% more.
💡 Zebra tip:
Why do car insurance rates depend on gender?
Car insurance pricing is determined by assessing a variety of rating factors to assess risk. Some factors — like driving record and credit score — influence auto insurance rates substantially. Others, such as gender, lead only to meaningful differences in insurance rates for young drivers. The table below outlines the average rates for teen drivers, young male drivers pay $54 per month more than female drivers.
Updating data...
| Gender | Avg. 6 Mo. Premium |
|---|---|
| Male | $3,200 |
| Female | $2,875 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Other Factors Affecting Car Insurance Rates
Driving history, age and location are just some of the reasons your insurance might be expensive. Check out the factors insurance companies use to price your policy.
Young drivers
The typical gap in insurance rates paid by a young male driver and a young female driver adds up to about $600 per year. Car insurance companies see young male drivers as more likely to exhibit riskier driving habits behind the wheel, increasing their rates accordingly.
As drivers get older, the price discrepancy between car insurance for men and women shrinks. Between the ages of 20 and 24, male drivers pay approximately 10% more than their female counterparts. While men over the age of 30 enjoy relatively affordable car insurance rates, male drivers in their 20s or younger are still considered relatively risky by insurance companies.
Paying too much for car insurance?
How to find cheap car insurance for men
Overall, men pay slightly more for car insurance, but the difference is small. The best way to find cheap auto insurance for men is to compare quotes from as many companies as possible. Using a sample driver profile (methodology), The Zebra has done some of the legwork for you.
✅ Cheap car insurance for male drivers by company
Below are estimated auto insurance premiums for male drivers from several different companies. USAA ranks as the most affordable, but as it is only available to military and their family members, GEICO is another affordable option. Consider this information a starting point and use it to begin your insurance search. Every company will assess your individual rating factors differently. Additionally, it's important to consider each car insurer's customer satisfaction ratings.
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| Company | Avg. 6 Mo. Premium |
|---|---|
| Allstate | $1,460 |
| Farmers | $1,241 |
| GEICO | $954 |
| Nationwide | $1,037 |
| Progressive | $1,086 |
| State Farm | $1,133 |
| USAA | $835 |
Source: The Zebra
How can I save money on auto insurance as a male driver?
Even though the difference in rates between male and female drivers becomes less significant with age, it's still a good idea to look at different ways to save. Let's explore a few of the common discounts that you may be eligible for as a male driver.
Multi-policy
This discount refers to having two types of insurance policies under one insurance company. Common policies are home/auto or renters/auto. The discounts affect both your policies, typically. Here are the typical amounts of discount you can receive when you bundle a homeowner's, renter's, or condo owner's policy with your auto policy.
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| Homeowner Status | Avg. 6 Mo. Premium |
|---|---|
| Renter With Multi-Policy | $1,093 |
| Condo Owner With Multi-Policy | $1,037 |
| Home Owner With Multi-Policy | $1,016 |
Source: The Zebra
Defensive Driver Discount
This discount entails taking an actual defensive driving course and then presenting your insurance company with proof (sometimes a receipt or transcript) of it. The logic behind this discount is clear - a safer driver makes you a cheaper client because you’re less likely to have a claim. Prior to taking the course, however, make sure your company accepts this discount.
Equipment Discount
If your car comes with anti-theft devices or if you have services like LoJack, your insurance company usually provides you with a discount. The discount tends to be smaller than a multi-policy or defensive driver discount, but can still help with making premium payments.
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| Anti-theft Device | Avg. 6 Mo. Premium |
|---|---|
| None | $958 |
| Tracking Device | $945 |
| Active Disabling Device | $919 |
| Audible Alarm | $896 |
Source: The Zebra
Good Driver Discount
This discount is available if you have a clean driving record, free of accidents or citations. This is typically a higher-value discount, oftentimes automatically added to your policy when your Motor Vehicle Report is pulled at the inception of your policy. Still, if you are sure you have a clean driving record and are not receiving a discount, speak with your insurance company and ask if they offer a discount for good drivers. In addition to the added bonus of this discount, you stand to benefit by not having your premium raised due to a claim or citation.
Military Discount
Many companies offer discounts for active or former military members and their families. The amount and qualifications differ per company so speak with your company to see if this discount is offered!
Multi-car discount
Like a multi-policy discount, a multi-car discount refers to having more than one car with a single insurance company. Typically, the discount is automatically added either at the policy inception (if two cars were originally added) or when you add the second vehicle to the policy.
Profession Discount
This discount goes by many names but the idea is the same. Some insurance companies will give you a discount based on your occupation. Statistically, some occupations like teachers, physicians, or police officers are less likely to file a claim. Because of this, some insurance companies return the savings back to you. Usually, they will require you to submit some type of proof of your profession - a photocopy of your degree is common.
Learn more about these in our guide: Affinity Membership Discount for Car Insurance.
Good Student Discount
If you or your children have good grades, typically above a 3.0 GPA, speak with your insurance company about a good student discount. Normally, they’ll ask for a transcript every policy period (6-12 months) as proof.
For more information, check out our article regarding student discounts here.
Preferred Payment Discount
This discount refers to the manner in which you make your insurance payments and has tiers, typically. For example, if you pay your entire premium upfront, you are often given a discount which is usually the highest preferred payment discount. Moreover, if you set up automatic payments from a bank account, you can often receive an “EFT discount.” If you are able to pay upfront or through automatic payments, this is a discount worth considering. The amounts of these discounts are featured below.
How to Find the Best Car Insurance Discounts
If you want to save on car insurance, it's important to be aware of available discounts. Let The Zebra's insurance experts help you find an auto insurance discount to fit your driving situation.
Choose the right coverage, and only use it when necessary
If your vehicle is worth less than $4,000, you don't need both comprehensive and collision coverage. Typically, the amount of premium you pay for this coverage isn’t worth the payout you would receive if your vehicle were totaled. You can determine the value of your vehicle by using online tools like NADA and Kelley Blue Book.
If your vehicle is worth more than $4,000, consider raising your deductible. By raising your deductible, you lower your premium.
Most companies will apply a surcharge to your policy if you use your coverage, so consider this when preparing to make a claim. While it can vary, the surcharge can remain on your premium for 3 to 5 years. Below are some average premium increases after an accident or violation.
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| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| DUI | $2,133 |
| Racing | $2,067 |
| Reckless driving | $2,006 |
| At-fault accident - greater than $2000 | $1,649 |
| Speeding 16 - 20 MPH over limit | $1,381 |
Source: The Zebra
To file, or not to file?
If you’re not sure whether to file a claim, compare the cost of the repairs to what the claim would really cost you. Add up how much your premium might increase over the next three years and include your deductible. For example, if your rate goes up by $309 every six months, that’s $1,851 over three years. Add a $500 deductible and the total cost of the claim is $2,351. In that case, it only makes sense to file if the damage is worth more than $2,351. To estimate the damage, get a repair quote from a local mechanic.
The best way for men to find the cheapest car insurance company is simply to look. Enter your ZIP code below to see quotes from local and national companies for your driving profile.
Compare rates and save!
Car insurance for men FAQs:
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.