Male vs. Female Car Insurance Rates in Massachusetts

MA is one of only six states where gender discrimination in car insurance is banned. Other factors, such as your driving record and credit history, still play into your rates.

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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 21, 2021

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Here's what you need to know...

  • There are many risk factors that impact your car insurance premiums in Massachusetts
  • Rates for males and females differed slightly even though all factors besides gender were the same
  • Car insurance is required in most states, including Massachusetts

Car insurance rates vary by the state you live in and are influenced by many other factors, including the following:

  • Your gender
  • Your age
  • Your marital status

Your monthly rate is also affected by the type of car you’re insuring and its age and mileage. Many people are surprised to learn the impact of these factors and how much they influence their monthly rates for car insurance.

To further complicate matters, individual car insurance companies each use a different formula to arrive at a monthly rate based on the factors provided. These rates can be completely different for males and females even if everything else is identical.

To discover the differences between male and female car insurance rates in Massachusetts, individual car insurance companies were contacted and asked to provide quotes for the following profile of a certain driver.

The profile provided was the same for both males and females. You can read our data sheet right here.

To find the best car insurance rates for yourself, enter your zip code into our free comparison tool above. You might be surprised by the savings you could see by switching providers.

The Information Provided to the Car Insurance Companies


The following information was provided for both applicants:

  • 25 years old
  • homeowners
  • single (not married)

Age affects a car insurance rate because it dictates how long the person has been driving independently. Assuming they got their license at age 16 or 17, a 25-year-old will have been driving for 8-9 years, a bit short of the benchmark of 10 years.

A homeowner status is important because many car insurance companies will offer a discount for homeowners and try to extend that auto insurance coverage to a homeowner’s policy.


Whether or not you have a job influences your car insurance rate as well. Some jobs are considered high-risk occupations because of predicted stress levels, working on very little sleep, or the tendency to work a lot of overtime.

Some of these jobs also require the person to travel to client meetings during the day while working. Occupations considered high-risk by insurance companies include:

  • Doctors
  • Lawyers
  • Real estate brokers
  • Salespeople
  • Architects
  • Business owners (whether large or small) and executives (CEOs)

Other occupations are considered to be low-risk because they show statistically low rates of accidents in people who work in these fields. Examples of low-risk jobs include:

  • Teachers
  • Scientists
  • Nurses and EMTs
  • Pilots
  • Accountants
  • Artists

For the purposes of this article, the job was not specified to the car insurance company, it was just known that they were employed, which means at the very least, they have the capability and the funds to pay their monthly premiums.

Average Car

An “average car” for this research was considered to be a vehicle that was:

  • Purchased new
  • A four-door sedan
  • Five years old
  • Driven an average of 13k-14k each year

Driving Record

An individual’s driving record affects their car insurance rates, such as a history of prior accidents or speeding tickets. In this situation, both the male and female drivers have had one speeding ticket each.

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Car Insurance Companies

For this survey, two car insurance companies were surveyed to compare male and female car insurance rates in Massachusetts, Geico and Progressive. These are both popular national car and home insurance companies.

In comparing male and female car insurance rates in Massachusetts, Geico offered a lower quote for a female compared to a male, but the difference was minimal at about six dollars.


In this situation, both drivers are computer programmers who have owned their homes for over two years in the Lowell/Chelmsford area. All of the other above-mentioned factors apply.

Female quotes:

  • Option 1: $54.17/month or $295 for six months, paid in full
  • Option 2: $55.17/month or $301 for six months, paid in full

Male quotes:

  • Option 1: $60.25/month or $331.50 for six months, paid in full
  • Option 2: $61.34/month or $338 for six months, paid in full

Neither option included comprehensive or collision coverage. These quotes were for the cheapest coverage option, just bare-bones coverage with no additional discounts applied unless the company automatically applied some discounts, most of which relate to homeownership.


The results from Progressive were interesting because although the same factors for both the male and female driver were used, Progressive offered higher rates overall, perhaps indicating that their coverage is better.

Progressive offers three tiers for car insurance plans in Massachusetts that you can choose from:

  • Basic
  • Choice
  • Recommended

For the basic and recommended plans that Progressive provided for both the male and female drivers, the rates were the same for each driver, so gender did not play a role in altering the rate for the basic or recommended plan:

Female quotes:

  • Basic Plan: $94.36/month or $499 for six months, paid in full
  • Choice Plan: $167.70/month or $883 for six months, paid in full
  • Recommended Plan: $204.38/month or $1084 for six months, paid in full

Male quotes:

  • Basic Plan: $94.36/month or $499 for six months, paid in full
  • Choice Plan: $149.70/month or $790 for six months, paid in full
  • Recommended Plan: $204.38/month or $1084 for six months, paid in full

The recommended plan includes a $500 deductible for collision and comprehensive coverage. The basic plan does not include this coverage.

The Choice Plan offered by Progressive is where rates differed for males and females. Female drivers would pay a higher rate for this plan, based on the quotes from Progressive. The choice plan does include a $500 deductible for collision and comprehensive coverage.


Whether drivers are male or female, it certainly pays to shop around for the best rates in your state to help you find the best deal. However, it’s also important to remember the type of coverage included in your policy.

If the unfortunate happens and you get into an accident, you want to be sure you have enough coverage in your policy to help pay for repairs or damages.

Going without coverage for this just to save money is an unwise decision because a car accident can happen to anyone, and you should always be prepared for the worst.

In Massachusetts, the following limits are required:

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $8,000 personal injury protection
  • $5,000 property damage liability
  • $20,000 uninsured motorist bodily injury per person
  • $40,000 uninsured motorist bodily injury per accident

Find the very best coverage for your individual needs by comparing quotes right here. Enter your zip code below to get started.

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