It's not just your imagination – insurance premiums in the United States are still higher for men than they are for women. According to a recent study of 5,000 quotes conducted by Onlineautoinsurance.com (OAI), auto insurance quotes for men are still about 23 percent pricier than women's on average. Plus, if a man and a woman with the identical driver profiles (same driving record, age and vehicle) received quotes for the same coverage, the man's quote would be more expensive 62 percent of the time.

As expected, it was young men (under 25) who paid the brunt of the cost, with an average premium of $676 more than their young female counterparts when the quotes differed – keep in mind that men and women were offered the identical premiums 27 percent of the time and women were quoted higher in 11 percent of the cases.

While figuring out why men often pay more still isn't completely clear, experts cite statistics showing that men and women drive differently. Not only do men spend more time behind the wheel (they drive about 1.5 times as many miles), but they are more likely to violate laws for speeding, yielding and passing. Plus, they take more risks (males were involved in 1.25 million more crashes in 2010).

Interestingly enough, courts in the European Union have decided that "differences in insurance pricing based purely on a person's sex are discriminatory;" a new Gender Directive is officially in effect and it will change premiums for policyholders. The US is unlikely to follow its lead, as insurance companies in the States are typically allowed to use rating factors (those that correlate with actual risk), despite the obvious controversy.

Considering the statistics, do you think men should pay more for car insurance than women? Take part in our informal poll below.



I'm reporting this comment as:

Reported comments and users are reviewed by Autoblog staff 24 hours a day, seven days a week to determine whether they violate Community Guideline. Accounts are penalized for Community Guidelines violations and serious or repeated violations can lead to account termination.


    • 1 Second Ago
  • 102 Comments
      luialva
      • 2 Years Ago
      This is discrimination as insurance should be on individual bases. Many of us drive safe and abide by all laws ,You want to see reckless savage drivers in both genders, come to Miami.
        Stefan
        • 2 Years Ago
        @luialva
        It used to be like this in Sweden but we just passed a law that's going into power 1st of January that states that this is discrimination and will force insurance companies to have the same rates. Amazing really.
      Sickness
      • 2 Years Ago
      It's discriminatory to charge women more for health insurance even though they require more medical care, as a result legislation was passed here in the US that insists that women cannot be charged more for medical insurance. It was just found discriminatory to factor gender into insurance fees in Europe: http://www.autoblog.com/2012/12/21/eu-auto-insurers-can-no-longer-use-gender-to-calculate-premiums/ So why is it not discriminatory here when charging for car insurance?
        brianphoenixx
        • 1 Year Ago
        @Sickness
        Because it's happening against men. He is how society works ATM. Men are better at something= discrimination against women Women are better at something= proof of female superiority This is because of Feminism. Feminism no longer has actually rights of women to fight for so now they purposely **** up society to get females undeserved privileges like paying equal for health insurance and AA hiring practices/school programs.
      ShutoSteve
      • 2 Years Ago
      I'm 23, and I still pay ludicrous (358 dollars a month) money for my 300ZX Twin Turbo. It's a 20 year old car worth 5000 on a good day, but because young Sammy down the street from me had one 12 years ago brand new that he wrapped around a tree, I suffer. The goal should be to increase driver awareness, and to increase the amount of lessons one needs to receive the license, and to make the tests themselves far more difficult and involving. 90% of the accidents on the road happen because people aren't doing what they could be doing, because they literally paid $100 (In America anyways), wrote a 30 minute exam on roadsigns and speed limits, and then were handed the keys to 2 ton metal boxes capable of 100MPH. If people were more aware as to how driving is a privilege, not a right, insurance would go down, because people would take more precautions with their lives/others in the first place. Regardless of sex, we can all make a difference.
        A A
        • 2 Years Ago
        @ShutoSteve
        Or you might think about getting a car that doesn't cost 4grand a year to insure.
          ShutoSteve
          • 2 Years Ago
          @A A
          It goes down in October. I would never let this car go. I also have an old 911 I drive on collectors insurance (much cheaper) in the summertime. Ironically, my Z is now my Daily Driver.
        superchan7
        • 2 Years Ago
        @ShutoSteve
        You may be getting hosed because of your area of residence and some other factors. How much are your friends and colleagues paying?
          ShutoSteve
          • 2 Years Ago
          @superchan7
          My 26 year old friend has the same car and pays 112 a month. Needless to say, my post wasn't so much about me, but about how we can all work towards a lower insurance premium.
        Ducman69
        • 2 Years Ago
        @ShutoSteve
        Daaaamn, I pay $623 a year for my Corvette, full coverage.
      protovici
      • 2 Years Ago
      I am an expert.......... Wait no I am not, but men and/or women can be equally bad drivers. Should be based on YOU not what sex organ you have.
        p60342
        • 2 Years Ago
        @protovici
        ...just be sure not to "employ" said organs while driving! :-)
      2 wheeled menace
      • 2 Years Ago
      Sounds like we need a little 'lilly ledbetter' act for men. Government must make us all equal, with force!
      Jaclock LaGlock
      • 2 Years Ago
      I still call it legal discrimination.
      superchan7
      • 2 Years Ago
      Pretty sure insurance companies can pull out numbers showing that men are by far the biggest risk-takers while driving (and in life as well, but that's another topic). Women drivers, although seemingly more careless, are generally far more risk-averse behind the wheel.
        Dean Hammond
        • 2 Years Ago
        @superchan7
        did you text that whilst driving?
        Radwon
        • 2 Years Ago
        @superchan7
        Keep in mind that this is based on reported accidents. Small fender benders and those below the excess may not be reported. Also for the first time there are more women drivers than men. I don't know how this will affect future premiums. But if it's the insurance companies reporting this it must be correct as they are very precise when it comes to money in and money out. To me it's the biggest pyramid scheme going.
      404 not found
      • 2 Years Ago
      It's because of the Mustang drivers, I tell you.
        Donny Hoover
        • 2 Years Ago
        @404 not found
        Gonna have to be more specific dude. The men with the GT's or the hairdressers with the V6's and convertibles?
      Ocellaris
      • 2 Years Ago
      The data points to women being worse drivers overall. A woman's chance of a crash is once in 25.5 years for 3.92%. Men (who drive 1.5 time more miles) crash once per 19 years for 5.26% chance of crashing. Now is those women drove an equal number of miles, they would have a 5.88% [3.92*1.5] chance of crashing each year. Insurance companies should even the playing field by having people report their car mileage accurately to determine insurance rates.
        torqued
        • 2 Years Ago
        @Ocellaris
        Interesting point, but insurance premiums are paid per year, not per mile. So really it does make sense to look at crashes per year.
      Tfree
      • 2 Years Ago
      To make it fair they should pay as much and just crash more.
      lazybeans
      • 2 Years Ago
      If women drive as fast as men, they'd get into more accidents too.
      • 2 Years Ago
      [blocked]
    • Load More Comments