Male vs. Female Car Insurance Rates in Nebraska

Nebraska car insurance rates by gender vary. Quotes obtained from Geico with identical personal details reveal males avg $75.73/mo and females avg $82.13/mo.

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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...

  • Gender equality has been a goal for many over the past century
  • Car insurance companies don’t always offer equal quotes for men and women
  • You must have car insurance in Nebraska

Obtaining equal treatment for men and women in the United States has always been a struggle. From the suffragettes in the early nineteen hundreds to the modern-day feminist, equality has consistently been the name of the game.

Unfortunately, we are far from equal although we’ve made many great strides towards it. There are still plenty of scenarios where men and women are treated unfairly simply because of their gender.

The glass ceiling, maternity leave, sexual assault cases, equal pay for equal work, and so many other pressing issues in the United States are directly caused by the unequal treatment of genders.

There are reports that men and women can’t obtain equal car insurance prices. 

There are lots of things to consider when choosing an auto insurance company, and how each company treats each gender is just as important as those other factors.

To put these reports to the test, we decided to take it into our own hands to uncover the truth about car insurance companies in Nebraska.

Check out car insurance rates for yourself. Different circumstances will yield different rates and the only way to know how much you could save on car insurance is to compare rates yourself. Enter your ZIP code above to get started.

How We Obtained the Necessary Information

Directly asking each auto insurance company whether or not they inflate their prices depending on each drivers gender probably wouldn’t end with the most honest and accurate results.

Instead, we decided to take a more stealthy approach and obtain the information in a different way. We applied for car insurance quotes from two major car insurance companies using the exact same information.

You can read our data sheet here.

Because there are many different things that determine auto insurance rates, making gender the only difference between the two drivers was the only way to know for sure.

The information that we provided for both insurance companies is identical:

  • Both drivers have only had one speeding ticket within the last three years for going less than 15 miles over the speed limit.
  • They’re both homeowners, single, and 25 years old.
  • They’re seeking coverage for their 2012 Nissan Altimas that they drive around 13,000 miles per year.
  • They’ve both owned their four-door sedans for five years and bought them brand new.
  • Both drivers are also employed and have been working as computer programmers.

Once again, the information for both of these drivers are identical and are only separated by gender.

Geico and Progressive are the two major car insurance companies that we chose to test for equal treatment of male and female drivers.

The preceding information was used to apply for insurance quotes for both of these companies. Upon receiving the insurance quotes, we recorded the cost for down payments, monthly payments, and the amount to pay the overall cost in full.

Some car insurance companies choose to automatically apply discounts for their drivers, but for this study, we chose not to apply any additional discounts. 

Because we know that every single bit of information about the drivers is exactly the same, any differences in the prices quoted by these companies will be specifically because of gender.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Did the male and female drivers receive equal quotes?

After reviewing the quotes given by the auto insurance companies, we can confirm that neither company gave the male and female drivers equal quotes for the same auto insurance coverage.

Studies like this really do show how important it is to research each company before committing to insurance coverage.

The following information contains the details about the insurance quotes that we received from both of the Nebraska insurance companies for each of their coverage options.

– Geico’s Male and Female Quote Comparison

Both drivers received two options from Geico.

Female quotes:

  • first option: $489.79 to pay in full. $86.64 per month
  • second options: $495.77 to pay in full. $87.63 per month

Male quotes:

  • first option: $451.66 to pay in full. $80.28 per month
  • second option: $454.77 to pay in full.  $80.80 per month

The first option is a 7.78 percent or $38.13 increase in the overall cost for the female driver.

In the second option scenario, the female driver would have to pay $41 or 8.26 percent more than the male driver.

Neither of these options from Geico includes comprehensive and collision coverage.

Overall, Geico tends to charge female drivers approximately eight percent more than male drivers for the same coverage. Although this is not a huge difference, the fact that the quotes are not the same for both genders proves that gender equality has not yet been attained.

– Progressive’s Male and Female Quote Comparison

Progressive offers basic, choice, and recommended options for all of its drivers.

Male quotes:

  • basic: $380 to pay in full or monthly payments of $78.96 with a down payment of $31.20
  • choice: $674 to pay in full or monthly payments of $141.18 with a down payment of $56.10
  • recommended: $903 to pay in full or monthly payments of $189.89 with a down payment of $75.59

Female quotes:

  • basic: $398 to pay in full or monthly payments of $83.04 with a down payment of $32.83
  • choice: $767 to pay in full or monthly payments of $161.18 with a down payment of $64.10
  • recommended: $913 to pay in full or monthly payments of $192.85 accompanied by a down payment of $76.77

The recommended option includes a $500 deductible for comprehensive and collision coverage, the choice option includes a $1,000 deductible for comprehensive and collision coverage, and the basic plan offers no comprehensive and collision coverage.

Progressive charges the female driver $18 more for the basic option, $93 more for the choice option, and $10 more for the recommended option.

This increase is approximately one percent for the recommended option, 12 percent for the choice option, and 4.5 percent for the basic option.

The price differences in these quotes are proof that Nebraska auto insurance companies do not equally charge male and female drivers for the same coverage.

How do Nebraska’s laws influence auto insurance quotes?

According to Nebraska’s minimum requirements, all registered vehicles in Nebraska are required to have acceptable proof of financial responsibility.

Appropriate forms of proof include:

  • certificates of insurance
  • bonds
  • property bonds
  • certificates of deposit
  • certificates of self-insurance

These should all be conditioned for payments of up to $75,000.

These requirements should help determine how a driver chooses their auto insurance in Nebraska.

Compare rates for auto insurance in Nebraska today. Use our FREE quote tool to quickly and easily see several quotes side-by-side.

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