Male vs. Female Car Insurance Rates in Kentucky

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Here's what you need to know...
  • Car insurance companies have been proven to charge unequal amounts for coverage to drivers based on gender
  • Insurance quotes were received for a male and female driver based on the exact same information in order to check for unequal prices
  • GEICO and Progressive both charged the female driver more than the male driver for the exact same coverage

There has always been a divide between men and women and how they are treated in different situations. Even though the United States has made great strides towards equality, there’s still much room left for improvement.

There are still issues with gender equality all over the country. Whether it’s how much a man or woman gets paid for the same job or biased rulings in sexual assault cases, both genders tend to be treated unfairly in different scenarios.

Even car insurance companies have been reported to base the cost of their insurance premiums on gender.

Although there are plenty of things that drivers should consider before purchasing auto insurance, who knew that selecting a company that won’t take advantage of the driver’s gender would be one of them?

Compare car insurance rates for yourself to find the best price for the coverage you need. Use our free rate tool above to get started.

In an effort to uncover the truth about how car insurance companies favor one gender over the other, we’ve decided to put a few Kentucky car insurance companies to the test.

Gathering the Data

There’s a pretty good chance that auto insurance companies would prefer to avoid negative publicity about how they treat their drivers differently based on their gender.

Rather than asking them directly, we decided to gather the necessary information for ourselves. We provided two different Kentucky auto insurance companies with the exact same information for two different drivers and applied for car insurance.

Because there are lots of different factors that determine auto insurance costs, we made sure that the only thing that set the two drivers apart where their genders.

The following are the characteristics both drivers share:

  • looking to get insurance coverage for their 2012 Nissan Altimas that they bought brand new
  • drive these four-door sedans at least 13,000 miles per year and have owned their vehicles for five years
  • college graduates
  • currently employed as computer programmers
  • had one speeding ticket within the last three years and they were issued for going less than 15 miles per hour over the speed limit
  • single
  • 25 years old
  • homeowners

The one and only thing that is different about these two drivers is that one is male and the other is female. You can check our our data for all the states right here.

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In Kentucky, we tested two major car insurance companies, GEICO and Progressive, to see if they are guilty of providing unequal treatment for male and female drivers.

We received quotes from both of these companies using the male and female driving information mentioned above and recorded the cost of their initial payments, monthly payments, and the cost to pay the amount in full.

Some discounts were automatically applied by the companies, but no further discounts were applied for this study. Using this information, we know that every single factor that goes into choosing the cost of insurance coverage is the same.

Therefore, we also know that any differences in the quoted prices will be based solely on the gender of the driver.

Were the male and female drivers given equal quotes?

Unfortunately, our male and female drivers were not given equal quotes from either of these insurance companies. In fact, both of these companies charge women more for the exact same coverage as men.

Car insurance companies don’t always charge women more, but it’s important to research these things before committing to a contract. The following information will give you more insight as to how the insurance companies in Kentucky went about charging these drivers.

– GEICO

GEICO gave both drivers two options.

  • Option one male –  $317.31 to pay in full or a down payment of $55.49 with $52.81 monthly payments
  • Option one female – $364.34 to pay in full or a down payment of $63.63 with $60.73 monthly payments

Quotes for this first option do not include deductibles.

  • Option two male – $363.83 to pay in full or a down payment of $63.55 with monthly payments of $60.65
  • Option two female – $419.01 to pay in full or a down payment of $73.24 with monthly payments of $69.84

This second option does not include any collision and comprehensive coverage.

Overall, GEICO charges women around 13 percent more for the same auto insurance coverage as men.

The female driver was charged an additional $47.03 for the first option compared to the male driver.

For the second option, the female driver was charged $55.18 more than the male driver. GEICO’s results alone have proven that insurance companies in Kentucky do tend to favor one gender over another when it comes to the cost of coverage.

– Progressive

Progressive provided both drivers with basic, choice, and recommended options for coverage quotes.

  • Basic option women – $402 to pay in full or a downpayment of $50.62 and monthly payments of $80.06
  • Basic option men – $379 to pay in full or a downpayment of $47.62 and monthly payments of $75.37
  • Choice option women –  $425 to pay in full or a downpayment of $54.08 and monthly payments of $85.48
  • Choice option men – $403 to pay in full or a downpayment of $51.08 and monthly payments of $80.78
  • Recommended option women – $618 to pay in full or a downpayment of $80.77 and monthly payments of $127.17
  • Recommended option men –  $593 to pay in full or a downpayment of $77.31 and monthly payments of $121.76

None of the options from Progressive include collision and comprehensive coverage.

The difference in Progressive’s quotes for the male and female drivers equal to less than six percent.

Progressive charged the female driver $23 more for the basic coverage, $22 more for the choice coverage, and $25 more for the recommended coverage compared to the male driver.

Although this difference isn’t as drastic as GEICO’s results, it’s still a difference based on gender. This only furthers the point that male and female drivers are not treated fairly when it comes to auto insurance in Kentucky.

How do Kentucky’s laws influence auto insurance quotes?

https://www.youtube.com/watch?v=qq4gjxq0v8o&t=4s

Kentucky requires all registered vehicles to have insurance.

The minimum requirements for insurance on registered vehicles aren’t particularly easy to find, but Kentucky requires all vehicles that have at least the following coverage limits:

  • $25,000 in liability coverage for bodily injury claims
  • $50,000 for all bodily injury damages
  • $10,000 for property damage is also required

These requirements are low and you should consider purchasing additional coverages such as comprehensive and collision insurance and higher limits to make sure you don’t have to pay for accident damages out of pocket.

Enter your zip code into our free rate tool below to find the best price for the coverage you need.

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