Male vs. Female Car Insurance Rates in Colorado
Men in CO pay 6.7% less than the average rate for car insurance in the state, while women pay 17.1% more. Most states allow gender discrimination in car insurance. Gender discrimination is a serious issue with auto insurance companies in Colorado. In most cases, this means that if you're a woman, you'll likely pay higher rates than a man doing similar things. However, there are exceptions. For example, many carriers offer discounts for good drivers regardless of sex.
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UPDATED: Sep 8, 2021
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- The results for the car insurance quotes in Colorado were surprising because they did not line up with traditional ideas for each car insurance company
- Shopping around is important for both males and females because insurance quotes can be extremely different from company to company
- Using a controlled test may be one of the most accurate ways to find out if there is gender inequality in insurance in Colorado
Since gender inequality is such a hot topic and a huge issue in the United States, it is important for people to look at every aspect of what they are paying and how it correlates to their gender.
Even car insurance can be gender-biased which makes it hard for people to know if they are really getting the best price possible or if they are just receiving a quote based on their gender.
Understanding how much car insurance a male would pay as opposed to a female from different insurance companies in Colorado is one of the easiest ways to figure out if gender inequality is a problem for car insurance coverage in Colorado.
All in all, men will have lower insurance premiums than women which means that on average, women aren’t being charged higher prices for car insurance. In fact, some insurers charge women more money than men even though they offer cheaper policies. This means that when comparing car insurance quotes between genders, it’s important to understand why certain companies might give a woman a better deal over a man.
Compare car insurance quotes for yourself to make sure you don’t overpay for the coverage you need. Enter your ZIP code into our free tool above to get started.
The Controlled Car Insurance Test in Colorado
When getting a quote on car insurance for male and female drivers, there were several control factors that were in place. The variable was the gender of the person getting the quote, but the controls were as follows:
- each person was single
- each was 25
- both were homeowners
- both were employed
- They had each received one speeding ticket at less than 20 miles per hour in the past year
- Their cars were five-years-old Nissan Altimas
- They both held insurance policies for, at least, three years
The quotes they received were for the cheapest plan per month. In most instances, the car insurance companies gave quotes for more than just the single cheapest plan.
There were no discounts the drivers used other than ones the car insurance company put on there automatically. They had coverage for comprehensive and collision in most instances, but they did not have coverage for any type of uninsured motorist property damage.
They received quotes from Progressive, Allstate, and Geico. You can check out our data sheet right here.
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Male Rates: $64.71/mo (basic); $166.60/mo (choice); $291.18 (recommended)
Female Rates: $69.33/mo (basic); $178.59/mo (choice); $299.70/mo (recommended)
Progressive had prices that were close to equal for males and females. The coverage for the basic plan included a $1,000 deductible and no comprehensive or collision.
The coverage for the choice plan had comprehensive and collision, but it still had a $1,000 deductible. The coverage for the recommended plan only had a $500 deductible and included the comprehensive and collision coverage.
The female drivers who received a quote from progressive in Colorado got the quote of an average of $69.33 per month or a total of $335 if paid six months in advance.
A male would pay $64.71 which is $4.62 less than the female would pay per month. His total cost for six months would be $313 which is only $22 less than the female would have to pay.
For the choice plan in Colorado, female drivers would need to pay $178.59 per month or $825 for six months. On the choice plan, a male would pay $166.60 per month or $769 for six months that were paid in full. The difference is $11.99 per month or $56 per month.
The recommended plan would cost female drivers $299.70 per month or $1,353 for six months in Colorado. For the same plan, the man would only have to pay $291.18 per month or $1,312 per six months. He would pay $8.52 less per month and $41 less per six months.
Male Rates: $181/mo (basic); $206/mo (standard); $219 (enhanced)
Female Rates: $184/mo (basic); $214/mo (standard); $229 (enhanced)
Allstate is usually less expensive for females than males. In most other states, it is the less expensive insurance option. This was not the case in Colorado. The insurance premiums in Colorado from Allstate cost more for females than it did for males.
All of the plans with Allstate included a $500 deductible, comprehensive and collision coverage.
A female would pay an average of $184 per month for the economy plan in Colorado. She would have to put an $896 down payment on her insurance, and the total cost would be $1,814 for six months.
A male who wanted the same plan would pay $181 monthly, $884 for the down payment and $1,790 for the six months. He would pay three dollars less per month and $24 less for the six-month period.
The standard plan would be $214 per month with a $1050 down payment. The plan for six months would cost $2,123. For the same plan, a male would be paying eight dollars less for the month.
He would have to pay $206 per month, $1,008 for the down payment and $2,038 for the six months. Just for being a man, he would be able to save $85 for the six months.
For the enhanced plan, the cost would be $229 per month, and there would be a $1,123 down payment. For six months, the insurance would cost $2,267. A male would pay $219 per month for the enhanced plan.
He would have to put down $1,075 and the total cost for six months up front would be $2,173. He would pay $10 less per month or $94 less per six months.
Male Rates: $108.71/mo (first); $119.13/mo (second)
Female Rates: $131.04/mo (first); $144.40/mo (second)
Like Allstate, Geico had insurance plans that were less expensive for males than females. While the differences were greater than they were with Allstate, the coverage options were different for people who wanted to use Geico in Colorado.
The plans for Geico did not include coverage for comprehensive or collision.
Geico only offers two different options for insurance for the requested coverage. With the first option, females would have to pay $131.04 per month for the first month and $130.54 for the other five months.
Females would pay a total amount of $753.72 for the six months they were insured with Geico.
For a male who received a quote from Geico, the cost would be $108.71 for the first month, $108.21 for the other five months, or $619.73 for the six-month period. He would be paying $22.33 less for the monthly cost or $133.99 less per six months.
Females who wanted the second option would need to pay $144.40 for the first month and $143.90 for the five subsequent months during the term. The female would pay $833.87 over the six-month period they had Geico.
The same plan for a male would cost $119.13 for the first month with $118.63 for the other five months. The total cost for the six months would be $682.25 or $151.62 less than what a female would pay.
A female would pay $25.27 more than a male for each month she was insured.
Do women or men pay more for car insurance in Colorado?
In every instance in Colorado, females paid more for insurance. While Progressive did not have as large of a difference as Geico and Allstate, they still had some differences in the insurance rates.
Females who are in Colorado should always shop around for the best insurance rate since they will already be paying more than males for the insurance coverage they are purchasing.
Males may also want to consider shopping around because the cost of insurance varies greatly among insurance companies.
Car Insurance Quotes in Colorado – How Much Does It Cost?
If you live in Colorado, it is important to get multiple quotes before making any decisions about buying insurance. Take a look at the average Colorado car insurance rates to help you make a wise decision.
If you’re looking at getting auto insurance quotes online, it is important that you understand how these policies work so you know exactly why your car insurance premiums vary between insurers. This can help you choose an insurer and policy that gives you the protection you desire without costing too much money.
Enter your ZIP code into our free comparison tool below to compare car insurance quotes right here.