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There are numerous factors that go into determining what you will pay for car insurance. Based on the rating laws of your state, insurance companies will look at age, driving history, your vehicle make and model, and – in most states – the gender specified on your license.
According to new data from Rate Retriever, female drivers typically pay less than male drivers for car insurance. This is because women are generally seen as more risk averse on the road, leading to this demographic filing fewer claims.
However, this is not the case for every state.
According to research conducted by IIHS, when compared to women, men have been shown to engage in riskier behavior on the road such as not wearing seatbelts, driving under the influence, and speeding. This results in more accidents and therefore increases their likelihood of filing claims with their car insurance company.
Because they are typically safer on the road, female drivers across all states pay about $3 less on average for their annual premium. However, women in New York state can expect to pay almost $100 more per year.
Car insurance companies typically charge more for premiums when those policies are associated with higher risk factors, such as the policy owner having a poor driving record. However, in the following states, gender-based rating goes against that trend:
Knowing that male drivers possess more risk factors, yet female drivers are still assigned higher rates in certain states makes the reasons behind gender-based rating feel a little murkier.
While there are only 12 states where women pay more than men for car insurance, they are not the only outliers when it comes to the role of gender on car insurance prices.
California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania do not take gender into consideration at all when determining car insurance rates.
Furthermore, the level of impact that gender has on premiums varies drastically depending on your state. According to Rate Retriever’s research, there could be anywhere from a $1 difference annually (like in New Hampshire) to a $95 increase in rates for women in New York and a $78 increase for women in Utah.
There is also a disparity in the way that gender affects car insurance rates depending on the age of the driver. Since younger drivers typically pay more for car insurance, the discrepancy between what men and women are paying is even wider among drivers in their teens and early 20s, with young men paying significantly more than young women in most states.
With so much irregularity, it is tough to tell whether gender is really a reliable factor to consider in car insurance rates. However, while gender-based rating is still practiced in most states, there are still ways you can help keep your rates down. These include improving your credit score and maintaining safe driving practices.
Another way to manage your car insurance prices and ensure you are never overpaying is to compare multiple car insurance companies in your area to find the cheapest rates. Take our short quiz to find savings in 30 seconds.
Car insurance companies determine how much they charge you based on your driver profile. Factors that can impact your rates include:Â
Read more about the factors that impact your car insurance rateÂ
Switching your car insurance is easy, even if you are in the middle of your current policy.
Here are some helpful tips to consider to switch your car insurance:
The answer to this question depends on where you live and what you would like to cover.
Each state has its own minimum requirements on the type and amount of insurance needed. When you’re trying to determine what and how much car insurance you need, you can start by reviewing your state’s requirements.
Find out what’s required in your stateÂ
Once you review your state’s minimum requirements, you may find that you want additional coverage. For example, sometimes owners of new cars want comprehensive coverage to insure their car from natural disasters and vandalism, even though comprehensive coverage isn’t required by their state. To figure out what insurance you want, you can review the different types of insurance to decide what makes the most sense for your situation. Â
The biggest difference between Rate Retriever and other comparison sites is that we are a free and impartial research tool NOT an insurance marketplace.​ This means you can’t purchase a policy directly through RateRetriever.com, but you can use our tool to independently research your options and seamlessly connect with the provider you choose.
Unlike other insurance comparison sites, we:
We like to think that Rate Retriever is your insurance companion, not just another insurance comparison site. Our values guide everything we do, which is why we strive to offer transparent, trustworthy insurance tools.
There are many ways you can try to get cheaper car insurance. The first is simply to get quotes from multiple providers. This will help you determine if you’re currently receiving the cheapest rates based on your needs and driver profile. Rate Retriever makes the comparison process easy.
Sometimes, the reason your car insurance is so expensive is due to your driver profile. For example, drivers under 20 years old usually pay more for insurance than more experienced drivers, and drivers with a recent at-fault accident or traffic violation typically pay more.
There are ways to lower the cost of your insurance such as taking a defensive driving course. Check with your provider to see if there are any discounts you qualify for or can reasonably earn.
Rate Retriever works with national and local insurance providers to provide our users with a seamless insurance shopping experience. We may earn a commission from our insurance provider partners when you click on a link, call, or purchase a policy from one of the providers listed on our site. That said, we’re committed to providing you with accurate, bias-free information, and we do not allow our partnerships to limit the results or influence the information we share with you. Â
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We do not sell your personal information, charge you for using our tools, or sell you insurance policies. Additionally, should you choose to purchase a policy from one of our partners, the price you pay will not be adversely affected.Â
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