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...

  • Alaska was split between companies with which gender pays more for auto insurance
  • You must have auto insurance to drive legally in Alaska
  • Comparing car insurance quotes is the best way to find the best rate for your unique coverage needs

Table of Contents

Is car insurance cheaper for males or females?

Gender equality is a touchy subject because it sheds light on a nation that claims equality but doesn’t always show it. Some companies receive a lot of heat for not paying women an equal amount for doing the same job as men.

There have been also been claims that car insurance companies don’t offer the same coverage rates to male and female customers in the United States.

It should be fairly easy to see the insurance rates that men and women are given in Alaska in order to compare.

Enter your ZIP code into our FREE quote tool above to see how your rates compare.

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How do we discover the truth?

Asking insurance companies if they inflate their prices for one gender over another probably wouldn’t result in very accurate responses.

In order to find out more about how car insurance companies quote men and women for car insurance, we did a basic test in Alaska to see how they measured up.

We submitted the exact same driver information to three different companies in an effort to receive insurance quotes. All given information was exactly the same except for the genders of the drivers.

  • Both drivers are 25 years old
  • Both have owned a home for over two years
  • They’re both employed as computer programmers
  • Both have been insured for over three years with no lapse in coverage.

They’re both looking to get auto insurance coverage for their 2012 Nissan Altimas that they bought new and claim to drive between 13,000 and 14,000 miles per year.

They also have had one ticket for speeding up to 14 miles over the limit. Once again, the only difference between these two drivers is that one is male and the other is female.

The three major car insurance companies that were tested in Alaska are Allstate, Geico, and Progressive. The rates given by each company for males and females will be compared.

The most affordable monthly rates, down payments and cost to pay the amount in full from each insurance company will all be taken into consideration. Some of the companies automatically applied discounts to their quotes but no additional discounts were chosen.

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Male vs Female Auto Insurance Quotes in Alaska

The results were actually quite surprising. Some insurance companies did show a difference in how they quoted their male and female drivers.

The following information is based on the insurance quotes given by Allstate, Geico, and Progressive auto insurance companies in Alaska. You can read our data sheet here.

Allstate Auto Insurance Results

Allstate offered two quotes for both drivers; one economy quote and one enhanced.

Female quotes:

  • Economy: $229 monthly payment with a $225 down payment and the option to spend $1,370 to pay the amount in full.
  • Enhanced: $265 monthly payment with a $269 down payment or $1610 to pay in full.

Male quotes:

  • Economy: $250 monthly payment with a $246 down payment, and it would cost him $1,498 to pay the amount in full.
  • Enhanced: $286 as a down payment and $290 monthly payments, and $1,738 to pay the amount in full.

Both male and female drivers were given both the economy and enhanced quotes with $500 collision and comprehensive coverage included.

This study has proven that Allstate insurance companies in Alaska will charge men an average of 8.5 percent more than women for the same economy coverage.

It has also proven that they will charge men around 7.32 percent more than women for the same enhanced coverage. Overall, men in Alaska will be charged at least seven percent more than women for the exact same auto insurance coverage from Allstate.

Geico Auto Insurance Results

Geico insurance companies in Alaska offered two options for both drivers.

Female quotes:

  • First option: $61.87 a month and $341.18 to pay the amount in full.
  • Second option: $70.28 for a monthly payment or $391.64 to pay the amount in full.

Male quotes:

  • First option: $57.11 for their monthly payments and $312.66 to pay the amount in full.
  • Second options: $64.21 in monthly payments or $355.21 to pay the full amount.

The second option from Geico was a bit higher in price. The female driver was quoted The male driver was quoted

For both options, all of these quotes were given without collision or comprehensive coverage included.

Geico charges women around eight percent more than they do men for the exact same coverage with the first option. For the second option, women are charged around 8.97 percent more than men.

Geico quotes Female drivers in Alaska at least eight percent more than male drivers for the exact same coverage options.

Progressive Auto Insurance Results

Progressive offered basic, choice, and recommended quotes for both drivers.

Female quotes:

  • basic: $66.02 monthly or $380 in full
  • choice: $83.02 monthly payments and the option to pay the amount in full with $462
  • recommended: $98.02 monthly or $537 to pay the amount in full

Male quotes:

  • basic: $66.02 or $380 in full
  • choice: $83.02 monthly payments and the option to pay the amount in full with $462
  • recommended: $98.02 monthly or $537 to pay the amount in full

All of the options are without collision or comprehensive coverage.

Overall, Progressive truly shows equality for male and female drivers when it comes to their auto insurance prices. All quoted prices for every single option matched to the cent for male and female drivers.

For the exact same coverage, Progressive has shown the other two companies how to treat drivers fairly with insurance quotes, regardless of gender.

How does Alaska influence auto insurance quotes?

Alaska requires registered vehicles to have liability insurance which may have influenced the final quotes given to the male and female drivers.

The minimum requirements for a liability insurance policy in Alaska are as follows:

  • $50,000 per person for bodily injury or death
  • $100,00 total per accident for bodily injury or death
  • $25,000 for property damage

If a registered vehicle does not have at least the minimum requirements, the driver’s license could be suspended and the vehicle may be impounded in the Municipality of Anchorage.

The driver would have to contact the Anchorage Police Department in order to get their vehicle back.

There are a few areas in Alaska that are exempt from registration and the mandatory insurance law, so drivers should properly research this information before purchasing auto insurance.

It’s also important to shop around for insurance quotes before committing to one company.

Some car companies charge different rates depending on gender, so drivers should be sure to pay attention to the details that each company provides in order to find the best possible option.

Comparing rates is the best way to find the fairest price for the coverage you need. Enter your ZIP code into our comparison tool below to get started shopping.