What Gender Pays More for Car Insurance? (2024) (2024)

Yes, female drivers pay less for car insurance on average, but the difference is only about 4%. On average, women pay $1,340 per year for full coverage, while men pay $1,391 each year.

Men pay more for auto insurance on average because they’re statistically more likely to get into accidents and to have major injuries. However, male drivers only pay about $51 more per year than their female counterparts on average.

The average difference between full-coverage car insurance rates for males and females is about 4% on average. This comes out to men paying an average of about $51 more per year.

Each company calculates auto insurance rates differently, but these are some of the factors they commonly use to determine premiums:

  • Age
  • Gender
  • Location
  • Driving history
  • Credit score
What Gender Pays More for Car Insurance? (2024) (2024)
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