Get free quote in-app

(400K+)

Our Insurance Partners

nationwide
travellers
mapfre
safeco
kemper
national-general
foremost
dairyland
pronto
bristolwest
hippo
assuranceameric
anchor
still-water
bridger
alinsco
commonwealth
suncoast
aspire

Key Takeaways

  • Gender is a major non-driving factor that influences auto insurance rates.
  • Male drivers pay higher auto insurance rates than female drivers.
  • California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania do not use gender to determine the insurance premium rates.

Car Insurance for Men

Gender is a major non-driving factor that influences the auto insurance rate. Based on statistics, it is proved that men likely display dangerous driving habits compared to women. Therefore, there is an apparent disparity in car insurance rates among men and women.

For example, the general difference between male and female drivers can go up to $700. However, age also acts as an equal force when considering the car insurance rates of any gender.

Younger drivers, particularly teenagers, pay exponentially higher insurance rates. If you are a male teenage driver, then rates will be higher than the female counterparts of the same age group. For example, male drivers pay an average of 10% - 14%more for their car insurance between the ages of 20 and 24 compared to female drivers of the same age group. However, with the increase in age, the difference in rates among genders reduces.

Why do car insurance rates depend on gender?

Gender-based insurance has always been a reason for criticism. However, there is a common opinion that auto insurance rates should be based on an individual's driving history and not on their gender. Even though a few states do not consider gender to calculate the insurance premium rates, the majority do, and here we look at the possible reasons for the dependence of auto insurance rates on gender.

See what you could save on auto insurance

Lack of experience among young drivers

The inexperience and the urge to drive swiftly are seen higher among teenage drivers and particularly among males. The crash statistics tend to prove it as well. This is one of the reasons for higher auto insurance rates for males.

Distracted and unbuckled driving practices

This is also applicable to young male drivers. Speeding, texting while driving, and driving without seat belts on are prevalent among teenage drivers.

Accident Statistics

According to an IIHS analysis of the U.S. Department of Transportation's Fatality Analysis Reporting System, men died in crashes twice as often as women from 1975 to 2019. Also, 71% of 2019 crash deaths were men.

Credit Checks

Credit checks affect men's insurance rates more than women. Low-income men pay 15% more in credit check states than in states without them, while women pay 13.3% more. In no-credit-check states, low-income men pay $14 more per month than women and $20 more in check states.

Thus, credit checks also increase the disparity in auto insurance rates between men and women.

Average Car Insurance Premium Rates

The insurance rates for men from the age group of 16 to 70 vary based not only on gender but also on age, driving history, and other non-driving factors like location, model and make of the car as well. Here we look at the average car insurance premium for different age brackets and the difference in rates between men and women.

Average Car Insurance Premium for 16 to 19-Year-Olds

The drivers falling under the teenage age bracket are risky drivers, and male teenage drivers tend to pay $56 more than teenage female drivers.

Gender Average Annual Insurance
Male $415
Female $359
Difference $56

Average Car Insurance Premium for 20 to 24-Year-Olds

As a young adult, the insurance rates tend to be lower than that of a teenage driver. However, the difference between a twenty-year-old male and a female driver is about $17.

Gender Average Annual Insurance
Male $197
Female $180
Difference $17

Average Car Insurance Premium for Drivers Older than 30 Years

Though there might be menial differences, as the drivers grow older, the insurance rates of male and female drivers tend to converge. Statistics show that the difference reduces to 2% if the driver is a 30-year-old. As age progresses, we observe a decrease in the insurance rates for men.

See what you could save on auto insurance

Cheap Car Insurance for Male Drivers - By Company

Since the insurance companies calculate the premium based on various criteria, the average auto insurance rates will vary with each provider. Among the insurance companies studied here, State Farm and Erie provide the most affordable rates for male drivers.

Insurance Company Average Annual Insurance Rate for Men
USAA $1560
State Farm $1272
Progressive $1704
Nationwide $1152
Farmers $1632
Erie $1140
Auto-Owners $1440
American Family $1488
All State $1536

How to find cheap car insurance for men

Shopping around for insurance quotes with different providers can give you a head start on getting the affordable option for a male driver. There are several other hacks you can follow to reduce insurance premium rates.

  • Compare and Purchase

Thorough online research can help in choosing the best insurance provider that suits your needs. This will aid you in shortlisting the providers from your location that offer affordable rates. Way.com helps you navigate through this task much easier, helping you finalize the best coverage possible.

  • Delay your License

If you are a teenage male driver, this might not seem to be a welcome move. But considering the car insurance premiums for teenagers, there can be a considerable reduction in the rate if you are an older driver. However, one can always make use of good student discounts and bundle your policies to reduce the premiums.

  • Increase your Deductible

Even though a higher deductible can reduce your accident claim, it can also reduce vehicle insurance premiums. To make it a feasible option, compare deductible alternatives to discover if a reduced deductible delivers savings, then choose one that meets your budget and comfort level.

  • Look for Discounts

Always look for discounts when you are purchasing insurance. Most providers give multipolicy discounts, telematics discounts, good driver discounts, and bundling discounts. This can make a huge difference in the premium rates.

  • Maintain a Clean Driving Record

Clean driving history is the key to avoid exorbitant insurance rates. Speeding, DUI charges, and other violations have a serious impact on auto insurance rates.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Which are the states that do not use gender to determine the insurance premium rates?

There are six states, California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania, that do not use gender to determine the insurance premium rates.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




Digital Insurance Card

Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.

Get reminders & quotes

Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.

Share with family

Keep everyone on your policy up to date by sharing your insurance information.

Manage your policy

Make changes to your policy right from the app (coming soon) and ask for expert advice.

Get the App:

Find the best Auto insurance rates on-the-go

For the best user experience, please download our Way app.

Please Enter A Valid Mobile Number!
Text Sent, Please download!

or

app store
google play