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Gender

Last updated: June 17, 2016

By , Insure.com

Gender

 

Most states allow insurers to rate on gender since crash statistics are different for males and females. Data shows males are more likely to crash - especially in the early years of driving when they are known to be more aggressive as a novice driver.

The Insurance Institute for Highway Safety (IIHS) notes that men typically drive more miles then women and engage in riskier driving behavior, such as speeding, driving when intoxicated and not using a seat belt. The IIHS also found crashes involving male drivers tend to be more severe than female drivers. Insurers review this information and rate accordingly.

That doesn't mean that males will always pay higher rates than females. Gender differences in fatality risk diminish with age. When men and women enter their 30s, in general auto insurance rates become comparable for both sexes with many insurers, and depending on their own data, may allow males to get slightly lower rates than females. But as drivers age into their 60s, rates for males usually start to increase again over the females, as crash statistics again show men of an older age crash more than females.

These states do not allow gender to affect rates:

  • Hawaii
  • Massachusetts
  • Michigan
  • Montana
  • North Carolina
  • Pennsylvania

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