Gender-Neutral Car Insurance
Gender identity and car insurance: what to know
Currently, the below states require auto insurance companies to either offer non-binary gender options on insurance applications or require companies to discount gender as a rating factor:
Learn more about the current state of gender-based pricing in the car insurance industry.
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How gender is used as an auto insurance rating factor
|Gender||Avg. Monthly Premium||Avg. Annual Premium|
Auto insurance data methodology
The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.
In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.
While a car insurance policy priced without gender taken into consideration might not affect older drivers, the stakes are higher when a young driver is involved.
For an insurance company, it is hard to predict the risk a non-binary individual will present, as opposed to a driver identifying as female or male. It's hard for an insurer to provide a non-binary gender option to their client until a gender-neutral driving risk baseline is established.
How to Save
At the end of the day, adding up discounts can only do so much. Sometimes you’re paying too much for car insurance because you’re with the wrong company. The best way to find affordable car insurance is often by comparing car insurance quotes. Enter your ZIP code below to receive personalized quotes in minutes.
Compare rates and find the right policy today!
- Car Insurance for Foreign Drivers in the U.S.
- Car Insurance for Drivers with Good Credit
- Car Insurance for Men
- Low-Income Car Insurance
- Car Insurance for High-Mileage Drivers
- Car Insurance for Female Drivers
- Car Insurance for New Drivers
- Car insurance for Low-Mileage Drivers
- High-Risk Car Insurance
- Car Insurance for Students
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.