Is car insurance higher for boys or girls?

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Here's what you need to know...
  • Males generally pay more for auto insurance than females.
  • There are things men can do to beat the gender bias.
  • Comparing quotes from different insurers is in the best interest of everyone looking to purchase insurance.
  • Age and gender can make a big impact on your rates


Car insurance is usually higher for boys than girls.

While the factors that go into each driver’s insurance policy are unique to that driver, auto insurance companies use formulas that place the most weight on the areas of demographic, location and type of car.

Under the demographic category, the insurer will want to know if the driver is a male or female.

Checking off the “male” box is, in fact, likely to lead to higher insurance premiums, but there are many ways to try to keep costs down even when a driver is in possession of that second X chromosome.

So why is it that car insurance is more expensive for boys as opposed to girls? Read on to learn more and then enter your zip code above to find the best quotes for car insurance!

The Statistics Underscore the Driving Risk Presented by Males

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It is no secret that men and women are different.

  • They behave differently.
  • They think differently.
  • Their brains are wired differently.

Insurance companies know this well and have pointed to many studies that prove the point. The research gleaned from these studies support higher insurance premiums for men because of the heightened level of risk that males present to their insurers.

The phenomenon is by no means peculiar to the United States.

Studies in Africa, Asia, and Europe reinforce the belief that the likelihood of a crash is greater when a man is behind the wheel.

The reason for this is thought to be related to psychology instead of to skill-level. All over the world, men are known to be the more aggressive sex. They are also more direct in exhibiting their aggression.

Men are also statistically proven to be more likely to break the rules. They take more risks.

The buying and usage habits of males also have an effect on average premiums. Men are more likely to buy high-end or rare automobiles that are more costly to insure. Men tend to put more miles on their cars than women do.

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How Men Can Catch an Insurance Break, and How Women Can Make the Most of Their Assets

A free, online quote comparison tool will give any man or woman the chance to input his or her personal information in order receive a variety of free car insurance quotes from established companies.

This process yields instant results, which means that the savings come in the form not only of money but of time. And it can all be done at home, 24 hours a day, seven days a week.

The quote comparison tool needs information that includes, but is not limited to, the following:

  • the driver’s name
  • age
  • gender
  • the make, model and year of the vehicle
  • the Vehicle Identification Number (VIN)

Different car insurance companies place different levels of importance on all these factors. While one company may assess a higher penalty to males, another may be more concerned with age.

One constant, though, is that all of them will carefully evaluate the applicant’s driving history and even credit history.

The key to finding the best rates for any driver is locating the company that utilizes the formula most beneficial to him or her.

An online quote comparison tool is ideally suited to this search because it lays out the options from several different insurers using the same criteria.

You Get What You Pay For

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Be careful not just to look at the price when selecting a car insurance provider. It is crucial to make sure the coverage is sufficient for the driver’s needs.

If he goes with a quote simply because it is the cheapest one, he may find himself without enough coverage when he needs it.

Factors to take into account include:

  • the specific areas of coverage
  • the rating of the car insurance company
  • the deductible the driver can commit to

Car Insurance Discounts for Boys and Girls

Users should make sure they input all factors that may make them eligible for car insurance discounts when they use the on-line quote comparison tool.

Things like safety devices (anti-lock brakes, window etching, and alarm systems), the method of payment (Electronic Payment Transfer), or using the same company for other insurance needs (e.g. Homeowner’s Insurance), can set the driver up for some hefty discounts.

Compare Quotes Today!

Regardless of whether you are a boy or girl, you can find a good car insurance policy at a good price by using our online quote comparison tool.

Finding the best policy right away will give you the confidence that comes from knowing you have taken steps to protect yourself and those around you. Compare quotes today. Just enter your zip code below!

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Compare quotes from the top car insurance companies and save!

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