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 insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.
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 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.
How gender is used as an auto insurance rating factor
CAR INSURANCE RATES FOR MALE AND FEMALE TEENAGE DRIVERS
|Gender||Avg. 6 Mo. Premium||Avg. Monthly Premium|
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 Drivers with Bad Credit
- Car Insurance for Foreign Drivers in the U.S.
- Car Insurance for High-Mileage Drivers
- Car Insurance with No Insurance History
- High-Risk Car Insurance
- How Do Medical Conditions Affect Car Insurance Rates?
- How Does Bankruptcy Affect Car Insurance Rates?
- Low-Income Car Insurance
- Male vs. Female Car Insurance Rates
- What is an Auto Insurance Score?
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.