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Post Reply Do you think men and women should pay the same for car insurance?
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20 / M / In a Yaoi Fanfic
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Posted 15 days ago
Hopefully I don't ignite a flame war, but anyways, what's your opinion on men having to pay more than women on car insurance?

It always annoys me how car insurance costs me a lot more just because I was born with a Y chromosome, plus I don't really fit the stereotypical male driver at all, yet that doesn't matter. Some male drivers are careful when they drive.

Anyways, do you think these higher rates for men are justified? Or do you think men and women should pay the same for the sake of equality?


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Rabbit Horse
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Posted 15 days ago
they charge people depending on how likely they are to get involved in a car accident. apparently, they believe (from the data they have) that men are more likely to be in a car crash than women, thus the difference in cost. that's what i'm assuming, anyways.
they probably take into account not only your gender, but also your age, ethnicity, etc, etc. all to see how much more they can charge you for an insurance they hope you'll never use.
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Hoosierville
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Posted 15 days ago , edited 15 days ago


Statistically I know why they do it but it still sucks knowing I am subsidizing a bunch of bad male drivers.
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25 / F / Canada
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Posted 15 days ago
I think it should be a flat rate by the value of the vehicle, regardless of sex, age, etc. until you actually do something that warrants them raising your rates (i.e., getting into a car crash).
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20 / F
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Posted 15 days ago , edited 15 days ago
I understand why they have higher rates for different sexes, since it's based on statistical risk factors and the truth is simply men are more likely to get into accidents. I'm more against the harsh and unforgiving raising of insurance rates in car accidents that are not your fault. I mean, the point of insurance is to help you when you're down, what's the point of insurance if they punish you for the reason you have insurance in the first place? I get if someone is being reckless and causing frequent accidents but...
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44 / M / Verginia
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Posted 15 days ago , edited 15 days ago
Yes. The insurance industry's justification for making men pay more on car insurance is because men cost more in paid claims. If that is OK women should pay more for health insurance as they cost more in paid benefits. If we are gonna get all "everyone pays what they can and takes what they need" on legally obligated insurance then it shouldn't be sexist, racist, bigoted or discriminatory. What is good for the goose is good for the gandor.
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24 / F / Johnstown, PA, USA
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Posted 15 days ago
Insurance companies come up with all sorts of reasons to charge people. Personally, I'd rather pay the same, although I detest supposedly needing insurance, period.
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100 / M / CALIFORNIA woop woop
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Posted 15 days ago , edited 11 days ago
Chicks are pretty shitty drivers. So, i dont know. Every single female i know (family, friends, co workers) that drives, have gotten into at least 1 accident. I've met plenty of dudes that have never been in an accident.
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25 / M / NYC Metro Area
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Posted 15 days ago , edited 15 days ago
Depends, if health insurance costs are completely equalized then yes, can't have it both ways folks.


Rell0M7DF wrote:

Chicks are pretty shitty drivers. So, i dont know. Every single female i know (family, friends, co workers) that drives, have gotten into at least 1 accident. I've met plenty of dudes that have never been in an accident.



Depends where you live. Out where I am you have a bunch of trust fund teens/young adults whose parents or grandparents buy them luxury cars at 16 which they promptly crash street racing. Hell I knew one guy 2 classes ahead of me in high school who totaled 3, yes 3 Mercedes Benz racing and that was only before graduation...

Sadly I get why insurance prices are so high, if only we could move more of those idiots into high risk insurance pools then maybe costs wouldn't be so steep.


Sogno- 
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Posted 15 days ago
really they are different?
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M / Los Angeles
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Posted 15 days ago

Rujikin wrote:



Statistically I know why they do it but it still sucks knowing I am subsidizing a bunch of bad male drivers.


Kek Kek Kek
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35 / M
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Posted 15 days ago , edited 15 days ago
It isn't that women (or men) are better/worse drivers, statistically men drive more frequently than women. I remember back in college when I took a statistics course we did a breakdown of this exact subject and that was the primary factor. Anytime a driver (male or female) is driving there is a roughly equal chance they will be involved in an accident, however, since men drive more frequently and for longer periods of time than women (on average) they have a higher chance of being in an accident, hence the increase in premiums.
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20 / F / Sweden
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Posted 15 days ago
Yes I think it should be equal regardless of sex
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21 / M / McDonough
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Posted 15 days ago

namealreadytaken wrote:

they charge people depending on how likely they are to get involved in a car accident. apparently, they believe (from the data they have) that men are more likely to be in a car crash than women, thus the difference in cost. that's what i'm assuming, anyways.
they probably take into account not only your gender, but also your age, ethnicity, etc, etc. all to see how much more they can charge you for an insurance they hope you'll never use.


There's usually a significant drop for men when they hit like 25 or something like that.
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30 / M
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Posted 15 days ago

Southern55 wrote:

There's usually a significant drop for men when they hit like 25 or something like that.


There is, though you may have to change companies. (They'll happily keep billing you like you're 16 for your entire life if they think they can get away with it.) I only pay roughly 35 to 50% of what I did six years ago for the same amount of coverage, but I also have a perfect driving record.

Statistically, young men do cause more accidents than young women so their rates are higher.

I believe I've heard the numbers have been shifting in the last decade though. No, young men aren't driving safer, young women are supposedly driving worse (if I'm remembering what I read correctly it was blamed primarily on increased binge drinking in that demographic). If that proves to be a persistent trend I'm sure their rates will increase to reflect that.
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