Do men pay more for car insurance? We'll help you assess the numbers and find cheap auto insurance as a male driver.
Why you can trust The Zebra
The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.
On average, men pay less for car insurance than do women — by 0.4%. The key distinction: young male drivers pay more than do their female counterparts.
Below we detail the reasons behind gender-specific insurance pricing discrepancies and ways men can save money on auto insurance.
Car insurance pricing comes down to determining risk by assessing a variety of rating factors. 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.
|Driver Gender||Average Monthly Insurance Rate|
The typical gap in insurance rates paid by a young male driver and a young female driver adds up to nearly $700 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.
|Driver Gender||Average Monthly Premium|
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.
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 quotes from as many companies as possible. Using a sample driver profile (methodology), The Zebra has done some of the legwork for you.
Below are estimated auto insurance premiums 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 Erie, with Nationwide close behind.
|Car Insurance Company||Average Monthly Rate|
|Erie (cheapest option)||$89|
Consider this information as a starting point, and use it to begin — but not end — your search for insurance. Every company will assess your individual rating factors differently.
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 U.S. ZIP codes, averaged by state, including Washington, D.C.
The 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.
Some rate data may vary slightly throughout the report based on rounding.
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 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.