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
|Avg. Monthly Premium
|Avg. Annual Premium
The Zebra’s auto insurance data methodology
The auto insurance rates published in this guide are based on The Zebra’s annual analysis of average car insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.
Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord 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 provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.
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!
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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.