Does Gender Affect Car Insurance?

Did you know your gender can affect your car insurance rates? Statistically, a young man will pay higher rates than a woman of the same age. Read here to learn more.
Written by Rochelle Miller-Hernandez
Reviewed by Carrie Adkins
Your gender can affect your car insurance rates, especially when you are
young
.
Statistically, women pay lower rates because they tend to make safer choices when it comes to driving. Because of these choices, providers charge them less than men. Wise decisions lead to fewer accidents and claims, which equates to less risk and payouts for insurance companies.
Read on to learn why men pay more for car insurance than women, with a little help from
Jerry
.
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Men get more speeding tickets

Men are three times more likely to get a
speeding ticket
than women and have more than twice the risk of being involved in a fatal accident. The odds change significantly after the age of 24, but until then, a man will pay a much higher rate because the chances are greater he will get a ticket or be in an accident.
If he does get a ticket, his rates can raise as much as four times higher until he has proven himself a safe driver.

Women are safer drivers

Women are safer drivers, while men are willing to take more risks. Studies have shown (especially in younger, single, or childless men) that a man is more likely to push through a yellow light, cut off a nearby car, speed, turn sharply, not wear a seat belt, or change lanes without signaling.
These risky maneuvers increase the probability of an accident, thus increasing car insurance rates.

Men are more likely to drive drunk

Researchers have found that men are more than three times more likely to be arrested for
drunk driving
. Individuals who drive while drinking are seven times more likely to be in an accident. Add up the numbers, and you don’t have to be a mathematician to understand why this gender statistic affects car insurance rates.
Because the risks are so high, if a person is convicted of drunk driving, they can expect their rates to go up as much as $4,000 annually, if they can get their insurance renewed at all.

Vehicle preference plays a role

Male drivers tend to prefer sportier and faster cars. While this does not directly affect car insurance rates based on gender, men indirectly pay more for car insurance because they buy more expensive, riskier cars more often. Add this to the gender factor and the insurance rate is even higher for a man than a woman in this situation.
This information may seem discouraging to a young man, but there are still ways to lower rates. If he is a student and maintains a B average, he can ask his insurance company for a good student discount. He can also take a safe driving course. Make sure it is an approved course, one that his insurance company offers a discount for attending and completing.
Young men can also shop around for the lowest rate possible. Don't settle for the first quote you get. Use a broker like
Jerry
to instantly shop across over 50 car insurance companies.
In general, gender does affect car insurance rates when drivers are young, but when men turn 25, and if they have a
clean driving record
, the gender rate gap begins to disappear.
Several states are starting to turn away from this practice and are prohibiting insurance companies from pricing premiums based on gender rating factors. But until the practice is eliminated altogether, young men can expect higher car insurance rates than women.
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