Male vs. Female Car Insurance Rates in Arizona

The average male vs. female car insurance rates in Arizona differs by company. With Geico, females pay 7% more than males, while with Allstate, females pay 8% less than males in Arizona.

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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: Jan 20, 2021

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Here's what you need to know...

  • Some people believe women pay more for car insurance
  • For Arizona car insurance, the results are mixed as to who pays more for car insurance
  • Comparing quotes is the best way to find the lowest rate for your unique situation

Gender equality is an issue that spans nearly every field, and auto insurance is no exception. It’s been suspected by many that women pay more for car insurance, and that theory has been proven time and time again.

In addition to driving history, gender is one of the deciding factors car insurance providers take into account. Statistically speaking, male drivers are considered risk takers when it comes to driving, particularly those 25 and under.

The variables car insurance companies use when pricing insurance policies are pretty much standard across the industry, each company uses a specific formula for assessing overall risk and setting rates based on these variables.

The price of a policy can differ by hundreds or thousands of dollars among carriers. Where you live has a direct impact on your car insurance rates. In Arizona, all of the above factors can affect your car insurance.

The gender question still merits a definitive answer, though, so we collected data on male and female drivers in the state of Arizona from three major insurance providers:

Using the information, we managed to find an “average” car insurance premium for the two in order to figure out just how much more women are paying than men to stay insured.

Compare car insurance rates for yourself. You might be surprised how much your individual circumstances could save you in coverage premiums. Enter your ZIP code above to get started!

Collecting the Data

Our process was simple: We contacted three major insurance companies and requested quotes using an average Arizona driver profile that we generated.

We wanted to make sure that the profiles were identical apart from gender in order to ensure we received the best possible quotes to gauge any gender gaps.

Here’s how our male and female drivers looked on paper:

  • Single and employed
  • 25-years-old
  • Homeowner
  • Good driving record, one speeding ticket

To ensure consistency, we standardized the type of coverage to meet Arizona auto insurance requirements. The prices we received were monthly payments for the cheapest coverage packages from each company.

While some companies automatically applied discounts to our quotes, no additional discounts or coverage options were requested. You can read our data sheet right here!

Note: The quotes featured in this article do not include “Uninsured Motorist Property Damage” unless noted.

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Average Male Versus Female Car Insurance Quotes

Below are the insurance quotes that were given to us based on the driver profiles listed above.

Geico

Geico has been around since 1936 and is currently the second largest auto insurance provider in the United States. When we contacted Geico for insurance quotes, we were given two options for basic coverage.

While the basic coverage does meet Arizona state requirements, it doesn’t include comprehensive or collision coverage. This is the baseline amount that a man or woman would pay for just enough car insurance to stay legal on the road.

Geico gave us two options for our male driver.

  • The first option was for $58.83 per month or a six-month policy paid upfront for $322.93.
  • The second option offered $97.73 per month or $556.37 in-full for a six-month policy.

Our female driver was also given two options. 

  • For the first option, the female driver was told she could pay $62.97 per month or $347.81 for a six-month policy upfront.
  • Her second option was to pay $109.46 monthly or pay off her entire six-month policy for a one-time payment of $626.74.

Allstate

The Allstate Corporation is American’s second-leading personal insurance provider. The company began in 1931 and is still going strong today. Their motto is, “Are you in good hands?” We wanted to see just how much their coverage costs.

Our male driver was given the following options:

  • Economy plan: $324 per month plus a $320 down payment or $1,940 for a six-month policy paid-in-full). $1,000 deductible
  • Enhanced plan: $485 per month plus a $482 down payment or $2,908 for a six-month policy. $500 deductible

The following quotes were provided for our female driver:

  • Economy plan: $299 per month plus a + $295 down payment or $1,787 for a six-month policy paid in-full). $1,000 deductible
  • Enhanced plan: $456 per month plus a $453 down payment or $2,734 for a six-month policy. $500 deductible

As it turns out, Allstate gave our female driver lower rates than our male driver.

Progressive

Progressive is another heavy hitter among America’s preferred insurance providers. The company offers auto insurance as well as motorcycle, marine, RV, and commercial vehicle coverage. It also offers homeowner’s insurance through other select companies.

This time around, we adjusted our drivers’ histories slightly to include one speeding ticket within the last three years instead of two and stated that they’d been insured for the last three years.

The estimates for a male driver were as follows:

  • Basic plan: $34.76 per month with five months at $67.85, $338 for a six-month policy paid-in-full, $500 deductible for comprehensive and collision coverage.
  • Recommended plan: $93.60 per month plus five months at $179.09 or $880 for a six-month policy upfront.
  • Choice plan: a slightly higher monthly premium of $67.07 plus five months at $129.99 or $640 for a six-month paid-in-full.

This option seemed to fall in the middle of Progressive’s basic and recommended plans, so it seemed like a decent option for someone who wanted to save money without sacrificing too many benefits.

Here are the quotes we got for our female driver:

  • Basic plan: $35.42 per month plus five months at $69.12, $345 for a six-month policy in-full, $500 deductible for comprehensive and collision coverage.
  • Recommended plan: $93.17 plus five months at $180.17 or $881 for a six-month plan paid-in-full.
  • Choice plan: $66.60 plus five months at $129.08, $634 for a six-month plan paid entirely upfront.

The “basic” option doesn’t include comprehensive or collision coverage, so drivers will have to determine whether or not they’re willing to pay more for the added (and, arguably, essential) coverage.

The Results: Who pays more?

After all the quotes were collected, we discovered that men pay more than women for car insurance at Geico and Progressive. The difference among costs was least at Progressive while most at Geico.

For female drivers who want to save the most, it appears that Allstate is the best choice.

Of course, these figures only demonstrate quotes based on a young adult, employed driver with an accident-free history; if you want to get the right quotes for you, it’s important to comparison shop.

Arizona Car Insurance Quotes

Location plays a large role in auto insurance; there are plenty of factors that might cause your premiums to be more expensive, so it’s important to research and compare free quotes to make sure you’re getting the best bargain.

Find a balance between benefits and price to guarantee maximum security without draining your bank account.

You can compare quotes for FREE on our site today by entering your ZIP code in one of the search boxes!

References:

  1. https://docs.google.com/spreadsheets/d/1MyeiJGxi0Hbqn0XxuTzdcnkulrBsBwj5sVV7o8LZJjs/edit#gid=0
  2. https://www.geico.com/
  3. https://en.wikipedia.org/wiki/Geico
  4. https://www.allstate.com/
  5. https://www.progressive.com/auto/
  6. https://money.cnn.com/pf/money-essentials-car-insurance/index.html
  7. https://www.statefarm.com/simple-insights/saving/these-7-factors-determine-car-insurance-premiums

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