Gender-Neutral Car Insurance

  • Some states require car insurance pricing to be gender-neutral, meaning rates cannot differ based on gender.
  • Rates are determined by other factors such as driving history, location, and vehicle type.
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By Ava Lynch
Updated December 1, 2025
Reviewed By Beth Swanson
Edited By Renata Balasco
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Ava Lynch

Insurance Analyst

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

Credentials
  • 9+ years of Experience in the Insurance Industry
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Beth Swanson

Insurance Analyst

Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • Associate in Insurance (AINS)
  • Professional Risk Consultant (PRC)
  • Associate in Insurance Services (AIS)
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Renata Balasco

Senior Content Strategist

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 5 years of experience in the insurance industry
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Gender identity and car insurance: what to know

While many U.S. states recognize non-binary gender identity on official driver's licenses and IDs, the auto insurance industry has been slower to adapt, continuing to use gender as a rating factor when pricing policies.
 

Currently, the following 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.

Smarter coverage starts here.

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  1. How gender is used with insurance
  2. Why use gender?
  3. How to save
  4. FAQs

How gender is used as an auto insurance rating factor

It's worth noting that gender only impacts insurance costs substantially for teen drivers, as young male drivers pay significantly more compared to their female counterparts.
 
Once a driver leaves their teen driving years behind, the difference between car insurance rates for women and men is relatively small. Because historical data show young male drivers get into more accidents and file more claims, insurers charge higher premiums to account for the additional risk.
Car Insurance Rates for Male and Female Teenage Drivers

Updating data...

Gender Avg. Monthly Premium Avg. 6 Mo. Premium
Male $445 $2,670
Female $395 $2,369

Source: The Zebra

The Zebra’s auto insurance 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.

Why do auto insurance companies use a driver’s gender to set their rates?

Auto insurance companies look at risk when deciding how much to charge for coverage. To predict how likely someone is to file a claim, insurers analyze years of data on driving behavior, accidents, and claims. Gender has historically been one of those data points because past trends have shown some differences in driving patterns and accident rates — especially among younger drivers.

Since insurers rely on what’s happened in the past to predict what might happen in the future, they often include gender in their pricing models when it’s allowed by law. Even though driving habits are changing and many states have moved away from gender-based pricing, the insurance industry tends to adjust its practices slowly.

gender

Car Insurance Rating Factors by State | The Zebra

What information can car insurance companies use to price car insurance rates? And how does that vary by state?

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.  

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Compare rates and find the right policy today!

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Gender-neutral car insurance FAQs:

It depends on the state. In states where insurers cannot use gender as a rating factor, nonbinary drivers may not see price differences based on gender.

Yes, in most states, gender can affect rates, with men often paying higher premiums than women. However, some states now require gender-neutral pricing, so gender cannot legally influence rates.

Related content

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.