Male vs. Female Car Insurance Rates

Who pays more for auto insurance, men or women? Let's break down car insurance rates by gender.

Is car insurance more expensive for men or women?

For most drivers, male and female car insurance rates are very similar: women pay $1,434 per year versus the $1,427 paid by men, on average. For young drivers, however, it's a different story. Men under the age of 25 pay an average of 10% more per year for car insurance than do women in the same age bracket. We'll explore the reasoning behind this discrepancy and review some easy ways to save when shopping for your next policy.

Who pays more for car insurance, men or women?
  1. Male vs. Female Car Insurance — Young Drivers
  2. Male vs. Female Auto Insurance — Older Drivers
  3. Other Ways to Save
  4. Additional Resources

Car insurance premiums for young male and female drivers

Gender aside, young drivers face high car insurance premiums. Insurance companies consider young drivers more likely to take risks, drive dangerously, and file claims. These tendencies make young drivers more expensive insurance clients. As a driver ages, their auto insurance rates typically drop accordingly.

AgeAverage Annual Premium% Difference — Male vs. Female

The average female teen driver pays 13% less for car insurance than does her male counterpart. Auto insurance companies rely on historical data that shows young male drivers get into more accidents, file more claims, and receive more tickets tickets than do young female drivers. Insurers account for this additional risk by increasing young male drivers' premiums.

Car insurance premiums by gender — older drivers

After the age of 25, the difference between men's and women’s car insurance premiums is basically a rounding error. On average, women paid approximately 1% more than did men in the same age group in 2017. The data insurance companies rely upon show women to pose a slightly greater risk than male drivers.

GenderAverage Annual Premium% Difference

This data is a nationwide average. Hawaii, Massachusetts, and Montana do not use gender as a rating factor for car insurance premiums. However, Nevada women still pay nearly 6% more for car insurance than do the state's male drivers.

Although women paid more in 2017, data from 2016 showed men were actually paying higher premiums. In 2016, national averages showed men paid about .05% more than women for car insurance. For drivers over the age of 25 the difference between car insurance premium for men and women is insignificant.

Other ways to save

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.

Use your 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 48%. 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 monthsIncrease at 12 monthsIncrease at 3 Years

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.

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 LevelAverage Annual Premium
$500 Deductible$1,427
$1,000 Deductible$1,268

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

Shop around

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. Your best bet for finding cheap car insurance options is to see what else is available to you.

Compare rates and find the right policy today!

Additional resources

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