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 agents. Reference our data methodology and learn more about how we make money.

Car insurance for men

On average, men pay less for car insurance than do women — by 0.4%. The key distinction: young male drivers pay more than their female counterparts.

Below we detail the reasons behind gender-specific insurance pricing discrepancies and ways men can save money on auto insurance.

Key Takeaways

  • Male drivers ages 16 through 19 typically pay higher rates than female teenage drivers, but the gap lessens as drivers age
  • Check for discounts you may be eligible for, such as military, multi-car, or bundling home and auto coverage
  • Consider if you need both comprehensive and collision coverage for your individual situation and vehicle
  • Drive safely, and only make a claim when necessary to help keep rates affordable 

Why do car insurance rates depend on gender?

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. As you can see from the table below that outlines the average rates for teen drivers, young male drivers pay $50 per month more than female drivers. 

car
Gender Avg. Monthly Premium Avg. Annual Premium
Male $445 $5,340
Female $395 $4,738
Updated: 09/29/22.

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.

Dynamic auto insurance data methodology

Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.


How to find 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 quotes from as many companies as possible. Using a sample driver profile (methodology), The Zebra has done some of the legwork for you.

dollar symbol medallion

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 at $1,365 annually, but as it is only available to military and their family members, Nationwide is another affordable option with an average rate of $1,476 per year. 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. Additionally, it's important to consider the customer satisfaction ratings of each car insurer.

Company Avg. Annual Premium
USAA $1,365
Nationwide $1,476
GEICO $1,542
State Farm $1,569
Farmers $1,786
Progressive $1,888
Allstate $2,414
Updated: 09/29/22.

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. 

Consider auto insurance discounts

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.

bundle home and auto
Homeowner Status Avg. Annual Premium
Home Owner With Multi-Policy $1,562
Condo Owner With Multi-Policy $1,592
Renter With Multi-Policy $1,677
Updated: 09/29/22.

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.

Safety/Anti-Theft Device Avg Annual Premium Discount
None $1,323  
Passive Disabling Device $1,312 $10
Tracking Device $1,314 $9
Audible Alarm $1,317 $6
Electronic Stability Control $1,318 $5

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.

Many companies offer military discounts, discounts for driving safely, and even a good student discount for drivers in school.

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.

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 was 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 3-5 years. Below are some average premium increases after an accident or violation.

tow truck
Accident/Violation Avg. Annual Premium
Speeding 16 - 20 MPH over limit $2,190
At-fault accident - greater than $2000 $2,605
Reckless driving $3,187
Racing $3,291
DUI $3,441
Updated: 09/29/22.

If you’re unsure of whether or not to file a claim, see our State of Insurance analysis and determine how much an at-fault accident would raise rates in your state. Consider the premium increase over three years and your deductible (as you would have to pay it in the event of a claim). For example, if your premium increased by $309 during the first six months, a three-year surcharge would equate to a total of $1,851. If you have a deductible of $500, the total claim would cost you $2,351. This means that if you wanted to file a claim, the value of damage should be greater than $2,351. You can determine the value of damage by getting an estimate 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!

or
Location pin icon
No junk mail. No spam calls. Free quotes.

RECENT QUESTIONS

Will my car insurance rate go up for a not at fault accident?

I can't speak directly to commercial insurance policies, but for personal auto policies, even not-at-fault accidents can have a negative impact on your rates in New York. You should ask your insurance provider how that might impact your rate since it is a commercial policy.
Aug 24, 2016 Jamaica, NY

Am I being overcharged for my insurance policy?

I'm sorry to hear about how you're being overcharged for your insurance! It is true that having an SR-22 will significantly impact your premium, but it sounds like you might be having issues getting a hold of your agent, as well. Feel free to shop around, if you'd like to look at other options.
Jul 21, 2022 Chico, CA

If I have six accidents on my record, how can I lower my rate?

Unfortunately, you might have to wait until those incidents pass three year before you can get an affordable policy. 6 accidents will definitely cause your rate to be extremely high so waiting may be your only option at this point.
Oct 26, 2016 Atlanta, GA

Do vehicles that have the IIHS's "Top Safety Pick Plus" award get discounted auto insurance or any other benefits?

Here is how the IIHS defines the rating differences between TSP and TSP+, according to the info found here. "To qualify for 2019 TOP SAFETY PICK, a vehicle must earn good ratings in the driver-side small overlap front, moderate overlap front, side, roof strength and head restraint tests, as well as an acceptable or good rating in the passenger-side small overlap front test.
Aug 11, 2019 San Francisco, CA

Ava Lynch photo
Ava LynchSenior Analyst

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior analyst, providing insights and data analysis as one of The Zebra's property and casualty insurance experts.

Ava’s insurance career began as an agent with Farmers Insurance. Over the years, she has become an authority in all things property and casualty insurance, helping her to write informative guides for shoppers.

Ava’s work has been cited in publications such as InvestopediaThe BalanceMoney.comLiberty Mutual, U.S. News & World Report, GasBuddy, Car and Driver and Yahoo! Finance.

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 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.