Men Pay More for Auto Insurance

November 22nd, 2011
man driving a gold honda accord

For decades Insurance Companies have believed that because men are more risky on the road, they should pay higher rates. Fortunately, recent studies have shown that all men get into more accidents, ONLY because they drive more, about 60% of all miles driven. Averaging out accident rates with how many miles each gender drives evens out the score for men and women.

Times are changing and insurance companies may have to rethink the way they charge customers, says Loretta Worters, Vice President of Communications at the Insurance Information Institute. “Years ago, women were not on the road as often,” she said. “They would be in the passenger seat or at home as the men drove to work, and insurance policy rates are all correlated to risk.”

The insurance rate difference is just another sign that insurance companies still live in medieval times, for example in 1963, 40 millions motorists in the U.S. were women representing 43% of drivers, today more than 88 million women are licensed drivers which is almost half in the U.S.

Worters argues that “men are more daring, but women are changing and starting to develop similar habits, starting to become a little more aggressive. As a society, we’re now always on the go.” Still she does not believe that the premium for male insurance is archaic.

Premiums for young women have already risen, thirty years ago female drivers paid 46% above the base rate for adult drivers while young men paid 187% above the base rate. In todays world men still pay roughly the same amount at 185% and young women pay 120% above the base rate.

There is still a difference in those figures but it is said that while women get into accidents more frequently, men’s accidents are more severe and can cost more to insure. Their crashes tend to be more fatal, according to a study by the John Hopkins School of Public Health.

The study also concluded that women were involved in 5.7 crashes per million drivers, while men had 5.1 crashes over the same distance, but stated that men are three times more likely to die in a car crash.

Unfortunately things may not stay that way for long, women are on the fast track to catching up with male drivers, drunk driving is up for women which could cause a rise in insurance rates, and female teens are getting into more accidents as well due to technological distractions. is a diverse online resource available for searching for insurance rates, a new vehicle or automotive related information. With its secure and easy to use form, you can quickly compare top-rated insurance carriers and local dealerships prices in minutes. To see how much you could be saving visit


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