Why Is Car Insurance Cheaper For Women?

You always see female drivers pay less auto insurance cost than their male counterparts, right? But why is car insurance cheaper for women? Here’s why:

Why is car insurance cheaper for women? As you know, women hardly ever get into a car accident, following the National Association of Insurance Commissioners. In other words, it means that the insurers get a lower chance to pay claims for their female customers, and there are just half as uninsured female drivers on the road.

Not only that, but we’re also reminded of another fascinating fact that most women usually drive their vehicles that are less costly to fix or replace. The accidents involve female drivers tend to be less serious and often linked to lower costs.

As a result, such a thing puts a remarkable effect as one goes out for auto insurance rate comparison. This can be seen as the primary force behind the increase in car insurance rates.

Which statistics make insurance for men to get higher? 

The statistics that cause insurance for both young male and female drivers here are alway opposed since a few people claim that there are more men than women who drive on the road. This result in increasing the statistics higher. Apart from this debate, the entire insurance industry avails such statistics to set their own car insurance premium amounts for both men and women.

When you look at the statistics, you’ll see the auto accidents double up for males, especially the ones under the ages of 25. Here, the common statistics to cause insurance for males to go higher than females:
  • Men tend to drive much faster and less likely to put on seat belts
  • Men are more likely to join the risky activities or events than women at the same age
  • Men are more likely to drive a large number of passengers 
According to the statistics, male drivers in the same age range often drink and drive at the same time, not to mention the ones who are more likely to involve in fatal car crashes or drunk accidents. These terrible events are said to be the number one reason for all teen deaths.

Despite the fact that all males in this category tend to be led to moving violations. Meanwhile, female drivers in this age range are led to parking violations as well, but these are not seen as the severe violations in the insurance field. What’s more? It’s about speeding tickets, which is agreed as a red flag for men.

It’s necessary to learn that higher risks are equal to higher insurance premiums. With this statement, you might like to drive within the speed limit only when the tickets can increase your insurance rates. Though speeding is a common issue for each of us, male drivers are always involved in more speed-related crashes than females. And this is just another reason why males pay more for their auto insurance.

How does the impact of gender on car insurance rates? 

There’s a bottom line for all of these: Females are statistically safer drivers, which states that they’re just less likely to file any claim as compared to males. Thus, they usually pay less for insurance.

According to a research, one 20-year-old man has to pay 21% more than his female partner. The great thing to know for men is that such a difference will start to reduce when males are older. For example, a 25-year-old man will just pay 4% more for his car insurance rate than his female driver.

Furthermore, in the age range of 30 - 50 years old, male drivers often pay less for insurance than their female counterparts. Even the professional can’t be completely sure why this is the case though it’s thought to be much like an unimportant difference. Just right at the end of a single day, young males are less careful yet riskier and more distracted than ever!

As it relates to how much you will pay for rate insurance, you might be sure that the gender merely takes an inferior to the driving record. Therefore, a male driver who has fewer accidents than a single female will have to pay less for insurance.

And when you get older (over 25 years old), the insurance rates would be leveled off. This happens when older males have already had their safer driving habits than their younger partners. Apart from this, the vehicle you’re driving matters not only for the show but for how much you pay for insurance. Males drive more costly cars than females as well. In detail, any smaller-sized SUVs are always the least costly cars to insure, and they’re quite popular among female drivers.

Charging women less for insurance is discrimination! 

However, all of that about car insurance for women is going to alter! In European countries, females will be soon made to pay the similar amount as males, and then the insurance firms won’t be able to price the premiums depending on the genders at all. In this case, it seems that the European Court of Justice realized that charging women less for insurance was complete discrimination.

At the same time, all Singaporean females still enjoy their affordable car insurance, but for how long does this happen? What do you think of this? Do you really trust that female drivers need to pay less for their insurance? Or do you agree that they must be required to pay the same as men? And do you assume that as gender discrimination if females pay less?

Where are the gender-neutral States? 

In case you’re living in one of these three States, including Hawaii, Massachusetts, and North Carolina, then you must lucky! The insurance companies in these areas won’t be enabled to consider your gender at all when they have to decide the amount of money you’re about to pay for your insurance.

In Massachusetts, female drivers won’t pay less than males, according to the Vice President of Eastern Insurance Group. Your insurance rates will depend on the driving record, the year, and model of your vehicle as well as the type of coverage you select.


To answer the question “why is car insurance cheaper for women?”, we can infer that women or female drivers are the safer drivers than their male counterparts. And as it comes to insurance, it means less risk, which also means lower auto insurance rates. This might sound unfair, but the insurance field has its own reasons, and we hope that our explanation for this through the post will help you understand in black and white.

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