Male vs. Female Car Insurance Rates in Connecticut

The male vs. female car insurance rates in Connecticut vary between companies. With Allstate, females will pay 5% less than males, while with Progressive, females will pay 2% less than males for car insurance in Connecticut.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 25, 2021

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Here's what you need to know...

  • Female drivers in some states pay higher monthly car insurance premiums, but not in Connecticut
  • Allstate insurance premiums for similar 25-year-old male and female drivers in Connecticut are higher than Geico or Progressive
  • Connecticut male drivers may be asked to pay about two dollars more for the same auto insurance as female drivers in identical circumstances
  • Comparing Connecticut auto insurance rates leads to surprising results and possible savings

Whether you are a man or a woman can affect the salary you earn on the job, as well as the price you pay for razors, health insurance, life insurance, and auto insurance.

Equality between the sexes is a hot topic in the news, and consumer organizations have found significant differences in the price men and women pay for car insurance.

Some people wonder why women may be asked to pay more for car insurance even though annual statistics show they are involved in at least one-third fewer car accidents than men.

Insurance quotes vary from state to state, and the industry is still working on efforts to modernize and standardize how insurance rates are determined in different states.

How do auto insurance rates stack up for men and women in similar driving and income situations in Connecticut?

Compare auto insurance quotes for your own situation by using our free rate comparison tool. Enter your ZIP code into the box above to get started.

How did we find out whether men or women pay for auto insurance in Connecticut?

To learn how major car insurance companies in Connecticut would provide coverage to male or female drivers in similar situations, we created a closely-matched profile for two drivers.

The following information was the same between the male and female:

  • driving records
  • cars
  • incomes
  • both were homeowners

The only difference was their respective gender: male vs. female.

You can call our Connecticut drivers John and Jane Smith. John Smith is a single 25-year-old male employed as a computer programmer, who has owned his home for two years. He drives a 2012 four-door Nissan Altima and has a speeding ticket he got a year ago.

Jane Smith is also single, employed as a computer programmer, and 25 years old. She has owned her home for two years, drives a 2012 four-door Nissan Altima, and has the same speeding violation as John Smith from a year ago.

Both drivers commute to work and put an average of 13,000 to 14,000 miles on their Altimas.

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What methods did we use when we contacted the companies?

We standardized the coverage we asked for and followed a script when we asked for quotes. The prices quoted represent monthly payments for the cheapest coverage option.

We didn’t ask the insurance companies for any discounts, but some of them applied discounts automatically. None of the quotes include uninsured motorist property damage.

We contacted Progressive, Geico, and Allstate, each a national car insurance company, about our 25-year-old male and female Nissan Altima drivers in Connecticut. You can read our data here.

We were surprised to find out the results. These results vary from state to state, and from company to company. We think you’ll agree with us that comparing quotes on car insurance is an excellent idea for your wallet and peace of mind.

Connecticut Car Insurance Prices for Male vs. Female Drivers

When we contacted Allstate, Geico, and Progressive for car insurance quotes in Connecticut, we didn’t know what kind of differences in rates we would see. Our results were interesting.

In general, male drivers will pay a bit more for monthly auto insurance premiums in Connecticut than female drivers with similar cars, driving records, employment, and homeownership status.

Allstate Prices for Auto Insurance in Connecticut

Female quotes: $204 a month with a $199 down payment, or a total of $1,220 for a six-month policy paid in full.

Male quotes: $213 a month with a $208 down payment or $1,276 for a six-month policy.

Allstate had the highest monthly premiums for both male and female drivers in Connecticut. We requested a quote for the lowest-cost policy that included collision and comprehensive insurance, with a $500 deductible.

We found that male drivers with auto policies from Allstate in Connecticut will pay nine dollars more a month for the same automobile policy than female drivers.

Progressive Prices for Auto Insurance in Connecticut

Progressive fell between Allstate and Geico in monthly car insurance premiums in Connecticut.

Female quotes: $126.16 a month with $78.21 down, or six months paid-in-full premium of $618.

Male quotes: $128.30 a month with an $81.50 down payment, or six months paid-in-full premium of $646.

The lowest-cost Progressive option includes a $500 deductible and comprehensive and collision coverage.

The female driver would pay $2.14 less a month than the male driver.

Geico Prices for Auto Insurance in Connecticut

Geico’s auto insurance prices in Connecticut were the lowest for our drivers.

The difference between the two drivers was small: our male driver was asked to pay $2.81 a month more than the female for the same coverage.

Male quotes: $57.50 a month or $315 for a six-month policy paid-in-full.

Female quotes: $54.69 a month or $298.10 for a six-month policy paid-in-full.

Neither Geico quote included collision or comprehensive coverage, and we found that the Geico’s lowest-cost plan was comparable to Progressive’s basic plan without comprehensive and collision coverage.

Connecticut Differs from Some Other States in Car Insurance Prices for Men and Women

Connecticut was one of the states where there was little difference between car insurance rates for male or female drivers. Connecticut wasn’t the only state where Allstate tended to quote higher prices for men.

Allstate’s Connecticut car insurance rates were also significantly higher in general than Progressive or Geico.

Out of our surveys so far, women were quoted significantly higher monthly premiums in a few states, particularly Minnesota.

Other factors affecting car insurance rates in some states can be your FICO credit score in some states, your income level, or whether or not you have health insurance.

Some insurers in some states ask customers if they have health insurance before providing a quote for auto insurance, but Connecticut is not among them.

Compare car insurance quotes for yourself to make sure you find the best rate for the coverage you need. Enter your ZIP code below to get started.

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