Male vs. Female Car Insurance Rates in Montana

The difference in male vs. female car insurance rates in MT depends on where you go. Geico quoted males and females the same, whereas Progressive quoted males 1.2 percent more.

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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 22, 2021

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Here's what you need to know...

  • Geico and Progressive auto insurance companies in Montana were both tested to see if they would charge male and female drivers equally for the same coverage
  • Geico quoted both genders fairly by giving the male and female drivers the exact same prices
  • Progressive’s quotes for the male driver were slightly higher than the quotes for the female driver

Gender can affect so many things without the person ever being aware.

  • It can determine whether or not a person can get a specific job or equal pay from their company.
  • It can determine how seriously a person is taken in many different situations.
  • It can also determine how much a person would have to pay for their car insurance.

In a country that strives towards equality, obtaining equal treatment for all has been a continuous struggle. All over the United States, car insurance companies are being accused of giving unequal prices to male and female drivers.

We set out to show the true colors of auto insurance companies in Montana. Perhaps these findings will show how far gender sets us all apart.

Compare car insurance rates for yourself to ensure you’re not overpaying for coverage. Enter your ZIP code into our FREE comparison tool above to get started.

Gathering Data from Auto Insurance Companies

Geico and Progressive are the two auto insurance companies that we used to test the equality of the quotes given to each gender.

Using two basic profiles, we applied for auto insurance with both of these companies and recorded all of the information that they provided including down payments, monthly payments, and the cost to pay these amounts in full. You can see our data here.

Although some companies automatically applied discounts to their quotes, we did not add any further discounts.

In order to obtain the most accurate details, we couldn’t make the auto insurance companies aware that we were specifically searching for differences in how they quoted each gender.

Instead, we made sure that the two basic profiles matched identically to get the most accurate results. There are many different factors for auto insurance rates, so we had to be sure that the only thing that set these two drivers apart was their genders.

The following information was submitted to both auto insurance companies in exchange for auto insurance quotes.

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Driver Statistics

The following are the shared statistics between the male and female applicants:

  • The vehicles that are to be insured are 2012 Nissan Altimas that both drivers bought brand new and have owned for five years.
  • Both drivers have had their four-door sedans insured for over three years with no lapses in coverage.
  • They are single homeowners that drive around 13,000 miles per year.
  • They have each only had one speeding ticket within the last three years, and both tickets were obtained for speeding less than 15 miles per hour over the speed limit.
  • They are both 25 years old and are currently employed as computer programmers.

The only difference between these two drivers is that one is male and the other is female.

Is car insurance cheaper for males or females? 

Because we know that the information provided for both drivers were identical in every way except for their gender, we can be sure that any differences in price are a direct result of gender.

For auto insurance companies in Montana, we actually received mixed results. One company gave both genders the exact same quotes for every single option. The other company, however, showed minor differences in how they quoted each gender.

The following information includes the details of the quotes received from each company for both genders.

Geico’s Quote Comparison

Geico provided both drivers with three different coverage options. None of the options for Geico include coverage for collision and comprehensive.

All of these options quoted both the male and female driver the exact same prices for each option. For this reason, Geico’s insurance company in Montana has proven that some companies do charge male and female drivers equally.

  • The first option required either monthly payments of $28.49 or $140.90 to pay the amount in full.
  • The second option required both drivers to pay $193.30 for the full amount, or $37.22 for monthly payments.
  • The third option would require monthly payments of $40.80, or $214.80 to pay the full amount at once.

Progressive’s Quote Comparison

The male and female drivers were both offered basic, choice, and recommended coverage options. The choice and recommended options include $500 deductibles for comprehensive and collision.

Overall, the male driver was consistently quoted at least 1.2 percent more than the female driver.

The following information includes the details of these quotes.

Female Quotes

  • basic plan: $23.18 accompanied by monthly payments of $45.57. To pay the basic amount in full, the female charger was quoted $243.
  • choice plan: $137.78 with a down payment of $71.13. $722 to pay in full
  • recommended plan: $175.10 per month with a down payment of $90.53. $914 to pay the amount in full

Male Quotes

  • basic plan: $46.11 per month accompanied by a down payment of $23.46. To pay the basic option off in full, the male driver would have to pay $246.
  • choice plan: $740 to cover the entire amount or make monthly payments of $141.04 with a down payment of $72.82.
  • recommended plan:  $92.70 with monthly payments of $179.26. Pay in full with $936.

How do Montana’s laws influence auto insurance quotes?

Liability insurance is the only mandatory insurance in Montana. The minimum requirements for Montana’s liability insurance are as follows:

  • $25,000 for bodily injury of one person in a single accident
  • $50,000 for bodily injury for multiple people in a single accident
  • $20,000 for the destruction someone else’s property in a single accident

It’s important to properly research the state’s laws as well as other important factors when it’s time to shop for auto insurance.

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