Is car insurance more expensive for men?

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Asked June 13, 2011

1 Answer


Gender makes a big difference when it comes to car insurance. The difference is more pronounced in young drivers, but men of all ages can expect to pay more for their insurance coverage than women when all other factors are essentially the same. In general, men are more impulsive than women, and are likely to take chances that women would avoid, such as running through an amber light or weaving through traffic while speeding down the highway.

In younger drivers, the rates will be higher regardless, but boys will pay more than girls. The reason for this is that girls tend to mature faster than boys, making them more responsible drivers. For insurance companies, the risk posed by the insured person is the major factor in deciding the premiums of insurance coverage, and young men are statistically a higher risk than young women. Premiums increases based on the driver's age usually end at about age 25 for both genders, keeping the cost discrepancy between genders the same even as the driver matures.

Additionally, statistics show that men drive more and farther than women in the course of a normal day. For instance, the husband may commute a long distance during morning and evening rush hour while the wife works at a local shop, or only uses the car to run errands. Even though this stereotype is not as true today as it once was, the insurance statistics support the idea that men are a greater risk because they spend more time behind the wheel at riskier hours of the day.

Answered June 13, 2011 by Anonymous

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