Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

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Here's what you need to know...

  • An experiment was performed to see if men or women paid more for auto insurance in Alabama
  • Quotes were requested from three major insurance companies
  • The premium prices might surprise those with preconceived opinions about what men and women pay for insurance

Gender equality is a topic that appears in the news quite frequently. Discussions about gender equality do cover a lot of territory including the following:

  • workplace
  • institutions of higher learning
  • housing

Not everyone thinks about the ways men and women are treated differently when it comes to the simple process of purchasing auto insurance. The truth is the price of insurance can differ greatly between men and women customers across the United States.

We discovered Alabama is a state in which auto insurance rates between male and female customers may differ.

Compare car insurance rates for yourself by entering your ZIP code into our free rate comparison tool above.

Table of Contents

Data Used in the Article

Of course, men and women are going to pay different insurance premiums when their driving record and backgrounds reflect differences. A male driver with no moving violations surely will pay less than a woman who has received two citations in a single year.

What happens when both the male driver and the female driver in the state of Alabama have the same, identical background? We compiled a profile of two drivers, one male and one female. Both hypothetical drivers have the same biography as far as their driving records go:

  • The drivers are single, 25 years old, and own their own home.
  • Both own a five-year-old “average” car, purchased new, and driven about 14,000 miles per year.
  • The two drivers maintain gainful employed.
  • The driving record of the two drivers reveals one speeding ticket.

Unless otherwise noted, uninsured motorist coverage is not included in the analysis. Certain states do mandate uninsured motorist coverage, which would automatically increase premiums. In Alabama, uninsured motorist coverage is not mandatory.

Be forewarned, an estimated 900,000 drivers take to the road in Alabama without insurance.

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Standardizing the coverage quoted

We took extra steps to be sure the quotes remain consistent between the two applicants. Everything was standardized between the two to avoid any obvious price-raising differences. You can read out data sheet right here.

For example, for both would-be customers, we chose to quote the cheapest coverage option available. We did not ask for any discounts, but some companies automatically applied discounts based on the applicant’s profile.

We have no control over that since we cannot dictate an insurance company’s rules.

Insurance company quotes

We did not request quotes from every insurance company in the state. Settling on three should be more than enough to determine if any rate differences exist. Here are the three companies in which we received quotes from:

  • Allstate
  • Geico
  • Progressive

A quick reading of the results shows that differences do exist. The differences in the quotes prices, however, might not be what the average reader expected. Some might even feel a fit surprised at the results.

Let the surprise also serve as a teachable moment. Anyone in the market for car insurance does need to request and review as many quotes as possible. Male or female, you want to get the best deal on your car insurance.

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Is Car Insurance Higher for Males or Females?

Running the hypothetical information through insurance quote applications leads to receiving quotes. Again, we only requested quotes from three insurance companies.

Allstate

With Allstate, gender equality seemingly exists since both the male and female applicants were quoted the same dollar figure.

  • Male – $186
  • Female – $186

While both receive the same quote, the amount is higher than what would be the case with the other two insurance providers.

That said, the price remains only one factor to consider when purchasing auto insurance.

Geico

Geico does offer different rates for men as opposed to what it does for women and female drivers benefit.

  • Female – $61.15
  • Male – $70.48

The increase seems slight, but the amounts do add up over the course of a year of monthly payments.

Progressive

Progressive does not seem to differentiate between men and women in Alabama.

  • Male – $82.20
  • Female – $82.20

The Progressive plan does offer a $500 or a $1,000 deductible for comprehensive and collision and those who add such coverages beyond the basic plan would pay more.

Younger men do frequently pay more than women due to being more of a risk on the road. However, individual insurance companies perform their own underwriting based on unique rules. Avoid blanket assumptions about a company’s pricing. Review actual quotes instead.

Alabama Car Insurance Laws

Every state has its own unique nuances regarding what may drive auto insurance rates up. The state’s minimum auto insurance requirements are moderate and no mandatory provision for personal injury protection and uninsured motorist exists.

Just as you found this comparison study online, you can locate auto insurance quotes on the internet as well. Enter your ZIP code into our FREE tool below to get started.

Running your basic information through an online application isn’t difficult. Insurance companies quickly review the applications and respond with a detailed quote. Check out three or four quotes, preferably more, to increase the likelihood of getting the best offer.

References:

  1. https://docs.google.com/spreadsheets/d/1MyeiJGxi0Hbqn0XxuTzdcnkulrBsBwj5sVV7o8LZJjs/edit#gid=0
  2. http://www.investopedia.com/terms/i/insurance-premium.asp
  3. https://www.progressive.com/glossary/uninsured-underinsured-motorist/
  4. http://www.insurancejournal.com/news/southeast/2012/09/25/264195.htm
  5. https://www.cbsnews.com/news/how-men-can-beat-gender-bias-in-car-insurance/
  6. https://www.geico.com/information/states/
    /al/