{"id":11416,"date":"2019-01-25T17:36:28","date_gmt":"2019-01-25T17:36:28","guid":{"rendered":"https:\/\/www.etags.com\/blog\/?p=11416"},"modified":"2026-01-09T17:47:55","modified_gmt":"2026-01-09T17:47:55","slug":"are-car-insurance-rates-for-women-cheaper","status":"publish","type":"post","link":"https:\/\/www.etags.com\/blog\/are-car-insurance-rates-for-women-cheaper\/","title":{"rendered":"Are Car Insurance Rates For Women Cheaper Than For Men?"},"content":{"rendered":"\r\n

Getting an affordable auto insurance rate is not always easy.<\/p>\r\n\r\n\r\n\r\n

There are particular factors at play that you must discuss with your agent before making any final decision.<\/p>\r\n\r\n\r\n\r\n

While some drivers focus on keeping a clean driving record and exert diligence, what about gender differences?<\/p>\r\n\r\n\r\n\r\n

Do auto insurance companies have any gender preference?<\/p>\r\n\r\n\r\n\r\n

If you are guessing that car insurance rates for women are more affordable, then you are right.<\/p>\r\n\r\n\r\n\r\n

There are key facts about gender discrepancies in regards to insurance policies, so read on and give us your opinion.<\/p>\r\n\r\n\r\n\r\n

Driving habits by gender<\/h2>\r\n\r\n\r\n\r\n

Car insurance agents tend to distinguish between genders when calculating your premium.<\/p>\r\n\r\n\r\n\r\n

Typically, women tend drive less than men.<\/p>\r\n\r\n\r\n\r\n

Recent crash and DUI stats show that men are more prone to risky driving than their female counterparts.<\/p>\r\n\r\n\r\n\r\n

Prediction is a common word between auto insurers, and using gender as a factor of measure makes perfect sense to them.<\/p>\r\n\r\n\r\n\r\n

Researchers also found that women are safer than men based on three important variables: accidents, speeding, and DUI infractions.<\/p>\r\n\r\n\r\n\r\n

Accident rates<\/h3>\r\n\r\n\r\n\r\n

The National Association of Insurance Commissioners<\/a> reported that women are less likely than their male counterparts to get involved in a crash.<\/p>\r\n\r\n\r\n\r\n

By implication, auto insurers are less likely to have to pay claims for women involved in vehicle accidents than for men.<\/p>\r\n\r\n\r\n\r\n

Not only are men more vulnerable to risky driving, but they are also about 10% less likely to buckle up.<\/p>\r\n\r\n\r\n\r\n

When a driver doesn\u2019t wear a seat belt, chances are insurers will have to pay more for injuries, resulting in higher medical expenses.<\/p>\r\n\r\n\r\n\r\n

Speeding varies by gender<\/h3>\r\n\r\n\r\n\r\n

The number of speeding tickets that are reflected on your driving record indicates how risky you are as a driver.<\/p>\r\n\r\n\r\n\r\n

The more speeding tickets you accumulate on your record, the more you will need to pay on auto insurance.<\/p>\r\n\r\n\r\n\r\n

As for road fatality causes, the National Highway Traffic Safety Administration reported that speeding is more predominant in men (24%) than in women (15%).<\/p>\r\n\r\n\r\n\r\n

DUI offenses by gender<\/h3>\r\n\r\n\r\n\r\n

Impaired driving is never a good idea regardless of how good you feel about driving.<\/p>\r\n\r\n\r\n\r\n

Drivers with DUI offenses are more likely to pay more expensive auto insurance rates.<\/p>\r\n\r\n\r\n\r\n

According to the FBI, 536,202 men were arrested for DUI infractions, compared to 174,149 women in 2013.<\/p>\r\n\r\n\r\n\r\n

Expect negative price variations on a single DUI offense, so refrain from impaired driving by all means.<\/p>\r\n\r\n\r\n\r\n

Your car choice also affects your premium<\/h2>\r\n\r\n\r\n\r\n

Your premium also changes based on the type of car you drive.<\/p>\r\n\r\n\r\n\r\n

In fact, men are more likely to buy more expensive cars than women, making it less affordable to insure.<\/p>\r\n\r\n\r\n\r\n

Insurers always pay attention to vehicle safety rankings to determine a rate and you could always discuss it with your agent.<\/p>\r\n\r\n\r\n\r\n

Focus on a vehicle that insurers regard as “safe to drive” based on their own rankings. You will be paying lower rates in exchange.<\/p>\r\n\r\n\r\n\r\n

Your gender is never a crucial factor though<\/h2>\r\n\r\n\r\n\r\n

Whether you agree or disagree with the above-mentioned arguments, there are also other variables that alter any possible assumption.<\/p>\r\n\r\n\r\n\r\n

For instance, your personal driving record and claim history are far more relevant than your gender.<\/p>\r\n\r\n\r\n\r\n

You could be a responsible gent paying lower car insurance rates than an erratic female driver.<\/p>\r\n\r\n\r\n\r\n

SEE ALSO: New AAA Study Links Teen Passengers To Higher Fatal Crashes<\/a><\/strong><\/p>\r\n","protected":false},"excerpt":{"rendered":"

Getting an affordable auto insurance rate is not always easy. There are particular factors at play that you must discuss with your agent before making any final decision. 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