Men vs. Women in Car Insurance Rates

Why do men usually pay more for car insurance? Do women really come by that titanic of a discount? What is the deal? In a word: statistics. Young men tend to drive faster, not wear seatbelts, drive more, reckless driving, and possibly dui's. What can you do about it? Nothing. But I can serve you understand why.



Typically, young male drivers ages 16 to 25 have to pay more for car insurance than for females of the same age, driving the same car, for the same coverage. It's statistics. I'm getting tired of that word already, but there is a proper gender bias that makes men pay more money for insurance.



Men drive more - why? Maybe driving their dates? Women typically don't drive their dates. What about teenage daredevil driving actions? Its called reckless driving and sometimes fun, it sometimes ends up in an accident. Accidents mean less money for the insurance company.



Are men dumber? Longer learning curve? Are they honest not paying attention like the females? We may never know the truth. I'm no psychologist and couldn't originate to give you a straight respond.



I can give you valid news. When a male driver turns 25, then the insurance rates go down. As you glean older, maybe you secure more experience. Maybe the statistics change. Of course they do or the rates wouldn't fall.



Also, if you salvage married, your rates will plunge to the floor. Again, statistics say married men are calmer and drive more carefully. I believe its due to them not chasing women all the time.



But will the women pick up up? There are more female drivers than there were 40 years ago. Their accidents are statistically on the rise. I would dislike for them to have to pay the higher rates and I know they won't as the insurance company will only rely on statistics and as they change, hopefully, so will the insurance rates.