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Why do men still pay more for auto insurance? [w/poll]

Posted Dec 26th 2012 7:15PM

Men vs. Women insurance rates

It's not just your imagination – insurance premiums are still higher for men than they are for women. According to a recent US study of 5,000 quotes conducted by (OAI), auto insurance quotes for men are still about 23 per cent pricier than women's on average. Plus, if a man and a woman with the identical driver profiles (same driving record, age and vehicle) received quotes for the same coverage, the man's quote would be more expensive 62 per cent of the time.

While figuring out why men often pay more still isn't completely clear, experts cite statistics showing that men and women drive differently. Not only do men spend more time behind the wheel (they drive about 1.5 times more distance), but they are more likely to violate laws for speeding, yielding and passing. Plus, they take more risks (males were involved in 1.25 million more crashes in 2010).

Interestingly enough, courts in the European Union have decided that "differences in insurance pricing based purely on a person's sex are discriminatory;" a new Gender Directive is officially in effect and it will change premiums for policyholders.

Considering the risk statistics, do you think men should pay more for car insurance than women? Take part in our informal poll below.

Should men pay higher insurance rates than women?
Yes86 (11.5%)
No624 (83.3%)
Not sure25 (3.3%)
14 (1.9%)

How to Reduce Your Car Insurance Costs


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this polling could have the opposite affect. if ever legislated that it is discriminating to price rates based on sex, the insurance companies could just jack up the rates that women pay to match that of mens'

December 27 2012 at 10:52 AM Report abuse rate up rate down Reply

It should be up to the person's driving history to determine cost not because they have a dick, or because other people with dicks were being dicks. I mean really, what a dick move.

December 27 2012 at 10:40 AM Report abuse rate up rate down Reply