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Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

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…

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Mark Friedlander

Director, Corporate Communications, Insurance Information Institute

Mark Friedlander has over 30 years of experience in the insurance industry. He is the Director, Corporate Communications, at the Insurance Informatio…

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Renata Balasco

Senior Content Strategist

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  • Licensed Insurance Agent — Property and Casualty

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

Who pays more for car insurance: men or women?

For drivers in most age brackets, male and female car insurance rates are similar: on average, women pay $1,480 per annual policy, while men pay $1,470.

For young drivers, however, gender and car insurance tell a different story. Men younger than 20 pay an average of 14% more per year for car insurance than do women in the same age bracket (methodology here). 

In this guide, The Zebra's licensed car insurance experts explore the reasons for this discrepancy and review some easy ways to save on your next policy.  

See if you could be saving on auto insurance today.

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Car insurance premiums for young male and female drivers (under age 25)

No matter their gender, young drivers pay high car insurance premiums. Insurance companies consider young drivers more likely to take risks, drive recklessly, and file claims. These tendencies make young drivers more expensive insurance clients. As drivers age, their auto insurance rates typically drop accordingly.

Average annual auto insurance rates for teens by gender
Age Gender Avg. Annual Premium
16 Male $6,701
16 Female $5,969
17 Male $5,634
17 Female $5,014
18 Male $5,064
18 Female $4,483
19 Female $3,486
19 Male $3,963
Average annual auto insurance rates for drivers in their 20s by gender
Age Gender Avg. Annual Premium
20 Male $3,602
20 Female $3,189
21 Male $2,891
21 Female $2,596
22 Female $2,416
22 Male $2,654
23 Female $2,280
23 Male $2,478
24 Male $2,340
24 Female $2,169

The Zebra’s Dynamic Insurance Rating Tool 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.

The average teenage male driver pays approximately 14% more for car insurance than does a teen female driver, reflecting the risk exhibited by young male drivers.

Between the ages of 20 and 24, male drivers pay 8% more than do their female counterparts.

Compare insurance rates quickly and easily.

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Car insurance premiums by gender — older drivers

After a driver's 25th birthday, the differences between men's and women’s car insurance premiums amount to no more than a rounding error. On average, women pay 1% less than do men once they reach the age of 25.

Data used by auto insurers show women and men present similar amounts of risk at most ages.

Gender Avg. Annual Premium
Female $1,734
Male $1,760

The above data represents the nationwide average. Currently, HawaiiMassachusettsPennsylvaniaNorth CarolinaCalifornia, Michigan and Montana do not use gender as a rating factor for car insurance premiums. 

Although men paid more in 2019, data from 2018 showed women paid marginally higher premiums. For drivers older than 25, the difference between car insurance premiums for men and women is largely insignificant until drivers reach the age of 60. Beyond that, rates for male drivers tend to be somewhat more expensive.


How to save on insurance, no matter your gender

Saving money on car insurance is a must. Let’s outline some basic ways to save on your car insurance premiums.

File claims wisely

If you’re involved in an at-fault accident and are considering a collision claim, think about the numbers. On average, an at-fault accident will lift your insurance premiums by 42%. Most insurance claims and violations will stay on your record for three years, meaning you'll be on the hook for higher rates for three years.

Increase at 6 months Increase at 12 months Increase at 3 Years
+$309 +$617 +$1,851

Sometimes it makes sense to file a claim. Here’s how to tell:

  • Get an estimate at a local repair shop.
  • See our State of Insurance analysis and see how much an at-fault accident raises rates in your state. Remember: consider that figure over a three-year period.
  • Compare the premium increase plus your deductible to the out-of-pocket expenses. If it is cheaper to file a claim, go for it.

Learn more about when to file a car insurance claim.

Consider telematics/UBI insurance companies

Telematics are in-car devices that monitor the way you drive in order to better price your premium. Rather than using things that are indirectly related to your premium, such as gender, credit score or driving history, telematics-based insurance policies are priced based on the following driving habits:

  • Your braking habits
  • Time of day driven
  • Acceleration speeds

In theory, if you're a safer driver you can save on your premiums. Below are some of the top insurance companies' advertised telematics discounts.

Telematics programs
Program Estimated Savings
Progressive SnapShot Average of $130
Allstate DriveWise Average of 10-25%
State Farm Drive Safe & Save Up to 15%
Esurance DriveSense Varies
Nationwide SmartRide Up to 40%
Root Car Insurance Varies
Metromile Varies
Liberty Mutual's RightTrack Average of 5-30%
GEICO DriveEasy Varies

For more information, see our full guide to telematics.

 

Be smart with your coverage

Vehicles have an unfortunate habit of depreciating quickly. What that means for your car insurance is that the collision and comprehensive coverage you had on your 2009 Civic might not be necessary today. As a general rule, if your vehicle is worth less than $4,000, you no longer need this optional coverage.

If your vehicle is worth more than $4,000 but you're looking for ways to save, consider raising your deductibles. By raising your deductible, you can lower your premium.

Coverage Levels Avg. Annual Premium
Liability only $703
$1,000 deductible $1,493
$500 deductible $1,699

Look for discounts

While the below discounts are small, they add up. Contact your current car insurance company to assess your eligibility for the following discounts and programs:

  • Multi-policy discount
  • Good driver discount
  • Paperless discount
  • Payment by bank account
  • Paid in full discount (paying your premium in one payment)
  • Multi-vehicle discount

Learn more about popular discounts you can get on car insurance.

Compare insurance quotes

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 cheap car insurance could be shopping around and comparing quotes from multiple carriers.

Find the right policy in only a few minutes.

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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.