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Post Reply Do you think men and women should pay the same for car insurance?
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29 / F / Chicagoland ~
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Posted 9 days ago

Southern55 wrote:


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.


That goes for both sexes. I got a significant drop when I hit 25 also.
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15 / M / America.
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Posted 9 days ago
I feel it should be based on statistics or your own actions. I feel as if it should either:

A: Be generalized, but not just for gender. Race, age, location, etc. So let's say for shits and giggles, white males between ages 16-25 in the Seattle area are statistically more likely to cause a car accident, so they'd have to pay more for insurance than say...an asian female between ages 64-75 in the Seattle area.

B: It's purely based on your actions. If you cause a car accident, then you have to pay more for insurance than someone who hasn't caused a car accident.
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F / San Francisco
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Posted 9 days ago
I pay roughly the same for insurance today what I did a decade ago, despite rates going up.

But to answer your question, I don't think that men and women should pay the same if one gender is more prone to being a liability. The same goes for life insurance. If men are more prone to dying early, they pay a higher rate.
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The Grand Line
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Posted 9 days ago

Akage-chan wrote:

I pay roughly the same for insurance today what I did a decade ago, despite rates going up.

But to answer your question, I don't think that men and women should pay the same if one gender is more prone to being a liability. The same goes for life insurance. If men are more prone to dying early, they pay a higher rate.


The problem with that system is that it assumes ALL members of a demographic drive the same, It's like claiming that we should make women's only parking spaces that are 15% bigger than usual because a disproportionate amount of women have poor spacial perception and need the extra space (that has happened by the way)
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20 / M / Imoutoland!
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Posted 9 days ago
Is the difference in statistics comparable to age or significant at all? I'm not sure.
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23 / M
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Posted 8 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.


So, there are a number of factors that go into car insurance. The ones that matter to the posting are these:

- Male drivers tend to be more aggressive
- Young male drivers tend to "show off" more, especially in front of girls
- Male drivers, and especially younger male drivers, tend to get "risky" cars*

*The correlation between male drivers and "risky cars" is a liking for fast cars. It's an indirect relationship. Two doors typically run a little more insurance-wise than a regular four door sedan (think Audi S4 vs Audi S5). Twelve cylinders vs four cylinders is a no brainer - a twelve cylinder has the potential for more speed and therefore more damage; plus the four cylinder just isn't as capable overall. You won't be doing 0 to 60 in 5 seconds with a V-4. For that matter, having a turbo or super charged vehicle is likely to increase costs as well. So on and so forth.

It's unfortunate, but it's a generally accepted fact of life. Just as there is a pay disparity between the genders - men tend to earn more than women, everything else remaining the same. If that makes you feel any better about this. On the bright side, the factors that WILL help you over time (and are the most important aspects when it comes to insurance quotes):

- The driver's record. A clean record is the most important thing.
- The length of the driver's record. The longer you've had a clean record, the better.
- The age of the driver. There are brackets, but 25+ is the most important one.

You can also do things like taking a safe driver's course and sending the cert in to your insurance company; this usually helps lower costs. Especially when you fall into the under 25 category.
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24 / Mexico
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Posted 8 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.


Yeah, it depends of the statistics, so probably they faced that is more common for men to get involved in accidents than women. I'm not sure if it is the same in US, but in Mexico, the older you are, the cheaper your insurance is. so, in my case, i have to pay like 30-40% more than my dad (I'm 24 and dad is 61) because younger people tends to drive faster and provoke more accidents, while older people is more cautious
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M / Tralfamadore
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Posted 8 days ago
Single provider insurance,(gov), only discounts are years of claim free driving.
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