Why men pay more for car insurance than women Author:    Posted under: Auto InsuranceAuto Insurance questions answeredAuto Insurance Ratings and Factors

Everyday, we are faced with numerous risks no matter how careful any individual may be. It doesn’t matter who you are, where you came from, or what your lifestyle is. In a perfect world it doesn’t matter who you are, the minute you get up, you have the same chance as every single human being in this world. But this fact sadly, isn’t true for a lot of things.  And in some particular studies, statistics would show us otherwise.

Everyday, both men and women call insurance companies to claim automobile insurance. People discover that men will pay higher premiums than women for the exactly the same coverage. This is because studies show that men have more accidents and injuries incurred while driving than their female counterparts. This is why insurance companies have opted to increase premiums for male customers.

The National Highway Traffic Safety Administration (NHTSA) in 2004A conducted a nationwide analysis of vehicle crashes and concluded that men of all ages are higher-risk drivers than female drivers. Because of this, even if a male driver has a perfect driving past and lives in an area that is not considered a high-risk, he will most likely have to pay more for his auto insurance than a female with the same credentials would pay.

Even if given the fact that there are more male drivers on the road than females, studies have supported the conclusion of insurance companies that male drivers carry a higher risk. According to TrafficStats, a risk analysis study by Carnegie Mellon for AAA in 2007 found that men have a 77% higher risk of dying in an accident.

Using information from the Fatality Analysis Reporting System (FARS) and the National Household Travel Study, the study quotes the total number of traffic fatalities between 1999 and 2005 as 175,094 for men and 82,371 for women. And according to the Insurance Institute for Highway Safety (IIHS): 14,512 male drivers died in 2007 compared to 5,865 female drivers.

Another factor is age. Studies show that young men ages 25 below have a tendency to drive faster than young women, and sadly, fewer tendencies to wear seatbelts. Young men also tend to drive more than young women and engage in more dangerous, reckless driving, and often get more DUIs (driving under the influence). But fortunately, once men reach the age of 25 they are no longer considered as part of the more “dangerous” age and are thought to be wiser and more experienced thus lowering their insurance rates.

Many insurance companies consider that men are naturally more aggressive than women, including engaging in risk-taking behaviors, speeding and driving while under the influence of drugs or alcohol. Men are also believed to drive more miles each year than females do. Driving as means of making a living, such as truck drivers, cab drivers and long-distance salespeople are still pretty much male-dominated fields. Thus, the more miles one is on the highways and roads, the greater statistical chance these drivers have for accidents.


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