Male vs. Female Car Insurance Rates in Arkansas

The difference between male versus female car insurance rates in Arkansas is between $0-$22 with men typically paying less. However, some companies, like Allstate, quoted women lower rates than men.

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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...

  • While gender equality is something many people think of, some may not realize prices for insurance can vary between males and females
  • Some insurance companies that offered car insurance in Arkansas had higher rates for males while others had higher rates for females
  • Even though the difference in rates for some insurance companies was negligible, it is extremely important to shop around for the best rate

As more people become interested in gender equality, more people are starting to see there are sometimes major differences in being a female and being a male.

There have been accusations of companies paying females less than males, businesses charging females more money for services and even cases where females are unable to hold the same positions as men

In a country where everyone is supposed to be treated equally, it is extremely important to gauge gender discrepancies in essential costs and other areas.

Even car insurance prices have been flagged for gender inequality. The differences in prices can be huge between males and females who are shopping around for car insurance.

We know you have important questions. Is car insurance higher for males or females? What if you are paying more than the average cost of car insurance in Arkansas? We can help with your questions and give you tips on how to save.

Compare car insurance quotes for yourself to make sure you’re not paying too much for coverage. Enter your ZIP code into our free rate tool above to get started!

By taking a look at data and statistics, it’s easy to see how Arkansas insurance companies stack up with quotes for males and females.

The Data on Insurance Companies in Arkansas

The data that is used for this comparison was created to be as accurate as possible. For the three insurance companies that were compared, the quote was requested for both a male and a female using this information:

  • Single
  • 25 years old
  • Homeowner
  • Employed
  • five-year-old-car, purchased new
  • One speeding ticket

In each quote, the drivers requested coverage for the prices of monthly payments for the cheapest coverage. There were no additional discounts added unless what was automatically added by the company. The quotes did not include any type of uninsured motorist property damages.

The insurance companies that had quotes in Arkansas were Allstate, Geico, and Progressive. In some instances, the results of the quote were unexpected. The differences in male and female coverage were surprising. You can read our datasheet right here.

Allstate

For the Allstate quote, the deductible was $500. The coverage included comprehensive and collision. The deductible, comprehensive, and collision coverage was included in all three plans Allstate had listed.

The average cost for insurance coverage for a female who wants Allstate in Arkansas is $251.

Female quotes:

  • economy plan: $251 per month with a $247 down payment. The total amount for six months is $1,501.
  • standard plan: $262 per month with a $258 down payment.
  • enhanced plan: $279 per month with a $275 down payment.

Male quotes:

  • economy plan: $268 per month with a $264 down payment. The total cost for six months is $1,604.
  • standard plan: $279 per month with a $275 down payment.
  • enhanced plan: $296 per month with a $292 down payment.

On average, a male would pay $17 more than a female per month for each of the plans Allstate had to offer in Arkansas.

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Geico

At first glance, it would seem that Geico offers a much better plan for both males and females in Arkansas. Unlike Allstate, the total cost of insurance for females is higher than males with Geico.

The average cost of insurance for females who use Geico in Arkansas is $86.77 while the average cost for males is $69.02.

Geico only offers two different coverage options for their customers. They do not include collision or comprehensive coverage in their quotes. They offer these quotes based on the information provided and the state they are in.

Female quotes:

  • first option: $86.77 per month
  • second option: $99.68 per month

Male quotes:

  • first option: $69.02 per month
  • second option: $78.58 per month

Males would pay $17.75 dollars less for the first type of coverage. They would also pay $21.10 less for the second type of coverage.

Progressive

Progressive was the closest company to having equal prices for males and females. While none of the three companies had exactly the same prices for males and females in Arkansas, the difference in males and females with Progressive was negligible.

Females did pay slightly more money for coverage.

Progressive offers a basic, choice and recommended plan for their customers. There was a $500 deductible on all three plans.

  • The basic plan had no coverage for comprehensive and collision
  • The choice plan included comprehensive and collision coverage
  • The recommended plan included comprehensive and collision

Female quotes:

  • basic: $35.99 for one month and $70.21 for the next five months, or $350 for six months.
  • choice: $68.58 for one month and $132.89 for five months. She would pay a total of $652 over a period of six months.
  • recommended: $95.81 for one month plus $185.24 for five months, or a total of $908 for the six months paid up front.

Male quotes:

  • basic: $35.23 for one month and $68.76 for the next five months, or $343 for six months.
  • choice: $69.15 for one month and $133.97 for five months. He would pay $659 over a six-month span.
  • recommended: $95.62 for one month plus $184.88 for five months. The total cost for six months for a male would be $907.

The total cost difference between males and females on Progressive was seven dollars for six months with the males paying less money.

On average, a male who was using Progressive would pay less money than a female who was on the same plan. The only difference was in the choice plan offered by progressive. Even though the difference was very small with Progressive, the male still paid less money.

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Insurance in Arkansas

Arkansas has far fewer requirements for auto insurance coverage than other states. While drivers do have to carry insurance, they do not have to have extremely specific requirements.

One thing that was a surprising find during the research was that females actually paid less money on some of the plans.

Allstate was more expensive for men while Geico was far more expensive for women. Progressive had the closest-to-equal rates, but on average, men paid less than women.

These differences may prove that men and women do not have insurance cost inequality, but even more importantly, they prove how important it is to shop around for an insurance quote because cost and coverage can vary a lot from company to company.

Shop around right now by entering your ZIP code into our comparison tool below.

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Average Monthly Car Insurance Rates by State