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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 European Union's Gender Directive is officially in effect. Last year, the EU Court of Justice ruled that "differences in insurance pricing based purely on a person's sex are discriminatory." That means that insurance companies can't factor gender into their premium tables, so as of December 21, 2012 the rates that EU residents pay for different types of insurance products will change – the expected trend for car insurance is that women's rates will go up while men's rates go down.