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Male vs. Female Auto Insurance Rates [New Study + Suprise Results]

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Things to remember...

Gender equality is a hot topic in America and for good reason.

Are men and women charged equal rates if they have the same exact profile and driving record?
In 48 states (including D.C), no they are not.

Major differences in rates have been reported between male and female auto insurance customers across the U.S., and our study further proves this to be true. However, most people — even insurance experts — believe that men pay more than women . . . but that is a myth!

In this article you’ll find:

Male vs Female Car Insurance Rates Across America

Women who have the exact same job, background, and driving history are often charged more than men.

“40- and 60-year-old women with perfect driving records pay more for basic coverage nearly twice as often as men having equivalent histories.” –Forbes

And, nearly half of our nation’s population is convinced that men pay more!

“48 percent of Americans think auto insurers charge men more for coverage than women, while only 23 percent of Americans think women are charged more…” –Travelers United

Women make only 82 percent of what men earn for doing the same job but pay more for car insurance. Sounds far from fair, right?

Read on to find out which gender is paying more for their car insurance in each state.

 – The Setup

In all 50 states plus D.C., we collected two to three quotes from leading car insurance companies based on the exact same profile — only difference: gender.

Profile for every insurance quote provided:

  • Personal – single, 25 years old, homeowner, employed
  • Vehicle – five-year-old, four-door sedan; 13 to 14k annual miles traveled
  • Record – one speeding ticket, insured two+ years (no lapse)

To ensure consistent results, all quotes were standardized for the cheapest monthly payment plan available with no additional discounts selected.

Our study results below fully disprove some of the most popular myths regarding car insurance. It’s another reason why it’s invaluable to always compare multiple car insurance quotes before you buy!

 – The Results

Why are the quotes for the exact background and driving history so different with just one variable? Why does gender make such a big difference? It has been explained that men drive, speed, drink, and crash more than women. So, who can explain the below study results for 2018?

In 43 states (including D.C.), women are charged more for their car insurance than men. In five states, men are charged more, and in only three states, the rates are equal — with gender being the only difference.

– Here are the 43 States Where Women Pay More for car insurance and how much more they pay:

State Rate Increase State Rate Increase
Alaska 7.7% Arizona
6.6%
Arkansas 20.5% California 0.7%
Colorado 17.1% Delaware 31.6%
District of Columbia 10.9% Florida 11.7%
Georgia 26.9% Idaho 5.7%
Illinois 11.5% Indiana 7.9%
Iowa 14.4% Kansas 7.4%
Kentucky 12.8% Louisiana 17.5%
Maryland 14.5% Michigan 21.8%
Minnesota 50.7% Mississippi 1.1%
Missouri 12.2% Nebraska 7.3%
Nevada 8.2% New Hampshire 9.1%
New Jersey 16.4% New Mexico 16.3%
New York 14.5% North Dakota 10.5%
Ohio 6.1% Oklahoma 8.2%
Oregon 10.2% Rhode Island 3.3%
South Carolina 4.6% South Dakota 4.7%
Tennessee 1.8% Texas 11.7%
Utah 7.5% Vermont 4%
Virginia 3.4% Washington 18.5%
West Virginia 25.1% Wisconsin 5.9%
Wyoming 2.7%

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Detroit ABC News published an article in September 2018 quoting Steve Gursten, head of Michigan Auto Law:

“It is not legal. There is a law right on point that says women cannot be charged more than men, nor should they by the way, because statistically women are safer drivers.”

– Here are the Five States Where Men Pay More for their car insurance and how much more they pay:

State: Rate Increase:
Alabama 15.3%
Connecticut 5.1%
Maine 6.6%
Massachusetts 11.2%
Montana 1.2%

There are only three states in the U.S. where men and women pay equal car insurance rates: Hawaii, North Carolina, and Pennsylvania.

In the five states where men are charged more, it is only an average of 7.8 percent more. However in 22 states, women are charged over 10 percent more than men for the same exact car insurance coverage!

And, that’s not the worst of it . . .

– Here are the Six States Where Women Pay 21-51 Percent More than men for their car insurance:

State: Rate Difference:
Arkansas 20.5%
Delaware 31.6%
Georgia 26.9%
Michigan 21.8%
Minnesota 50.7%
West Virginia 25.1%

On October 9th, 2018, Detroit ABC News Channel 7 released the below video explaining how a transgender woman in Michigan experienced a nearly $1,000 car insurance rate increase after her sex change from male to female.

“She thought she was the victim of discrimination against transgender people. When she fought for justice, she learned she is the victim of legal discrimination all women in Michigan are subject to…Car insurance companies are allowed to charge women a lot more for car insurance, simply because they are women.”

How You Can Beat Gender Bias in Your State

Is your gender causing you to be charged higher insurance rates where you live? Fortunately, there are other ways you can save money on your car insurance coverage.

 Here are the 60 most popular discounts car insurance companies offer:

Vehicle Discounts: Driver/Customer Discounts: Personal Discounts:
Active Disabling Device Claim Free Emergency Deployment
Adaptive Cruise Control Continuous Coverage Family Legacy
Adaptive Headlights Defensive Driver Family Plan
Anti-Lock Brakes Driver's Education Federal Employee
Audible Alarm Driving Device/App Further Education
Automatic Braking Early Signing Good Student
Blind Spot Warning Full Payment Homeowner
Daytime Running Lights Good Credit Life Insurance
Economy Vehicle Loyalty Married
Electronic Stability Control Multiple Policies Membership/Group
Farm/Ranch Vehicle Multiple Vehicles Military
Forward Collision Warning New Customer/New Plan New Address
Garaging/Storing Occasional Operator New Graduate
Green/Hyrbid Vehicle Online Shopper Non-Smoker/Non-Drinker
Lane Departure Warning On-Time Payments Occupation
Newer Vehicle Paperless/Auto Billing Recent Retirees
Passive Restraint Paperless Documents Stable Residence
Utility Vehicle Roadside Assistance Student Away
Vehicle Recovery Safe Driver Student or Alumni
VIN Etching Seat Belt Use Volunteer

Also, just because one car insurance company in your state charges your gender more, it doesn’t mean they all do. Make sure you compare a few quotes so you can beat gender bias and get the best deal available.

Please note: Effective January 1st, 2019 three states require insurance providers to offer non-binary gender options for all policies: California, Washington D.C., and Oregon.

Get started now simply by entering your zip code in the box below.

Methodology

Quotes were given by at least two, sometimes three, major insurance companies in every state and the District of Columbia.

Some companies require more personal and background information from the customer before they will provide a quote. The profile information we listed was kept identical to ensure comparable quotes across the various states and companies. The only variable for any state with any company was gender. In addition to the profile listed in the article “setup” section above, when additional information was needed, we provided the following:

  • Home owned for two+ years
  • College graduate
  • Job: computer programmer
  • Car: 2012 Nissan Altima bought new, owned for five years
  • Speeding ticket: within last three years, < 20mph over
  • Licensed and insured for over two years

Unless listed, the rates do not include uninsured motorist, collision, or comprehensive coverage.

The insurance prices we compared for the averages and rate differences were for the cheapest monthly payment plans available that meet state minimum requirements. Some companies automatically apply discounts, but no additional discounts were selected for any of our quotes.

If at least one company charged women more in a state, we went with that company’s quotes and then determined the rate difference to disprove the popular misconception that men pay more.

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