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.

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Car insurance for men

While it runs counter to commonly held beliefs, men paid less on average for car insurance in 2020 than did women — by a little over half a percent. According to our State of Insurance report, men paid an average of $1,548 per year for car insurance, while women paid $1,558. 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.

 

Table of contents: 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 resources

 


 

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 record and credit score — influence auto insurance rates substantially. Others, like gender, are only important for young drivers.

AVERAGE CAR INSURANCE PREMIUMS: 16-TO-19-YEAR-OLDS
GenderAverage 6-Month Premium
Men$2,682
Women$2,340
Difference$342

 

The typical insurance cost difference between the annual premiums of a young male driver and a young female driver is almost $700 per year. Car insurance companies see young male drivers as more likely to have riskier driving habits behind the wheel and charge higher rates 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 in their average rates is a little more than $250 per year.

AVERAGE CAR INSURANCE PREMIUMS: 20-TO-24-YEAR-OLDS
GenderAverage 6-Month Premium
Men$1,218
Women$1,091
Difference$127


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 higher premiums — over $250 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 6-Month Premium
Allstate$2,454
Farmers$2,538
GEICO$1,340
Liberty Mutual$2,173
Nationwide$2,070
Progressive$2,561
State Farm$1,582
USAA$1,128

 

Car insurance rates for male drivers — by company

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 USAA, with GEICO closely behind.

Car Insurance CompanyAverage 6-Month Premium
Allstate$1,011
Farmers$822
GEICO$602
Liberty Mutual$863
Nationwide$714
Progressive$809
State Farm$647
USAA$545

 

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!

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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

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.

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 report based on rounding.

Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.