Yes, the tables have turned. According to the latest studies, men now pay more for car insurance than women in the majority of U.S. states. But don\u2019t jump to conclusions\u2014there\u2019s more to this story than just a gender checkbox on an insurance form.<\/p>\n\n\n\n
This blog breaks down the why<\/em>, how<\/em>, and where<\/em> of gender-based pricing in car insurance. We\u2019ll explore state-by-state stats, deep-dive into behavioral data, look at what regulators are doing about it, and offer tips anyone, regardless of gender, can use to score lower premiums.<\/p>\n\n\n\n In 2025, men pay higher auto insurance premiums than women in 38 states, according to the latest report by The Zebra<\/a>. On average, men pay $2,184 annually, while women pay $2,151\u2014a $33 difference. That may sound minor, but spread that over millions of drivers, and it adds up fast.<\/p>\n\n\n\n But here\u2019s the kicker: just a few years ago, it was the opposite.<\/p>\n\n\n\n Back in 2018, it was found that women were paying slightly more on average than men. In fact, women paid more in nearly half of all U.S. states at the time. That number has now dropped dramatically. So what changed?<\/p>\n\n\n\n Let\u2019s unpack it.<\/p>\n\n\n\n Here\u2019s the short version: Insurance is all about risk. Insurers crunch mountains of data to predict how likely you are to file a claim. The more risk they see, the higher your rates.<\/p>\n\n\n\n For decades, gender has been one of those risk markers. On average:<\/p>\n\n\n\n Sound outdated or unfair? Maybe. That\u2019s why many states are changing the rules.<\/p>\n\n\n\n People Also Read:<\/strong> What Factors Determine Car Insurance Rates<\/a><\/p>\n\n\n\n In just four states and Washington D.C., women still pay more for car insurance than men in 2025.<\/p>\n\n\n\n Why? It\u2019s complicated. Each state has its own underwriting regulations, and sometimes women\u2019s driving patterns or accident data in those regions drive up premiums. For instance, in Florida, women pay more even though men there have higher accident rates overall. Weird, right?<\/p>\n\n\n\n It could also reflect differences in how women and men are grouped by age, coverage type, or even vehicle usage in specific ZIP codes.<\/p>\n\n\n\n In an effort to make auto insurance more equitable, seven states no longer allow gender to be used as a pricing factor:<\/p>\n\n\n\n In these states, insurance companies have to ignore gender altogether. Your rate is determined by factors like your driving record, age, credit score (in most states), location, and the kind of car you drive.<\/p>\n\n\n\n Good news, right? Sort of. While gender-neutral pricing seems fair on the surface, some critics argue it leads to unfair averages, especially for safer drivers who end up subsidizing riskier ones.<\/p>\n\n\n\n Here\u2019s a peek at what men and women pay on average for a 6-month policy in a few key states (from The Zebra’s 2025 report<\/a>):<\/p>\n\n\n\n Note:<\/strong> These are averages for drivers with standard profiles. Individual premiums can vary a lot depending on personal driving history, vehicle type, and coverage level.<\/em><\/p>\n\n\n\n Let\u2019s be blunt: statistically, men still drive more aggressively than women. They\u2019re more likely to:<\/p>\n\n\n\n These behaviors increase the risk of claims, especially expensive liability claims. Insurers aren\u2019t just guessing\u2014they base pricing on years of crash and claims data.<\/p>\n\n\n\n Male drivers tend to be involved in more severe accidents, with higher payout costs. That doesn\u2019t mean women are risk-free, just that the cost per incident<\/em> is often higher for men.<\/p>\n\n\n\n Teenage and early 20s male drivers are a premium disaster zone. A 17-year-old male driver can pay thousands more per year than a 17-year-old female. The gap narrows with age, but early risk defines a driver\u2019s profile for years.<\/p>\n\n\n\n This is the million-dollar question.<\/p>\n\n\n\n Critics say using gender as a pricing factor reinforces stereotypes and punishes drivers for something they can\u2019t control. Supporters argue it\u2019s backed by hard data and reflects real-world risks.<\/p>\n\n\n\n The industry is in flux. As more data becomes available from telematics (think: tracking your actual driving via apps or devices), insurers are moving toward behavior-based pricing.<\/p>\n\n\n\n Instead of generalizing by gender, insurers can now look at:<\/p>\n\n\n\n This shift could eventually render gender-based pricing irrelevant altogether.<\/p>\n\n\n\n Your age and gender combined tell insurers a lot\u2014fair or not. Here\u2019s how the pricing trends typically play out:<\/p>\n\n\n\n Let\u2019s say:<\/p>\n\n\n\n In most states, Alex\u2019s premium will be 10\u201320% higher\u2014just based on gender.<\/p>\n\n\n\n But if Mia has a speeding ticket and Alex doesn\u2019t? The roles could flip. In the end, driving behavior matters more than gender, especially as you get older.<\/p>\n\n\n\n Tired of being at the mercy of algorithms? Here are real ways to take back control:<\/p>\n\n\n\n In 2025, the once-simple question\u2014\u201cWho pays more for car insurance: men or women?\u201d\u2014has a more layered answer than ever. Men currently pay more in most states, but local laws, age, and driving habits play a much bigger role than your gender alone.<\/p>\n\n\n\n The good news? The future is trending toward personalized pricing. With the rise of AI, telematics, and user-level risk assessments, insurance is starting to judge you by how you actually drive, not who you are.<\/p>\n\n\n\nQuick Answer: Men Pay More in 38 States<\/strong><\/h2>\n\n\n\n
Understanding Gender-Based Car Insurance Rates<\/strong><\/h2>\n\n\n\n
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State<\/strong><\/td> Men Pay<\/strong><\/td> Women Pay<\/strong><\/td> Who Pays More?<\/strong><\/td><\/tr> California<\/td> $1,097<\/td> $1,097<\/td> Same<\/td><\/tr> Florida<\/td> $1,843<\/td> $1,885<\/td> Women<\/td><\/tr> Texas<\/td> $1,379<\/td> $1,349<\/td> Men<\/td><\/tr> Georgia<\/td> $1,280<\/td> $1,253<\/td> Men<\/td><\/tr> Michigan<\/td> $1,237<\/td> $1,236<\/td> Same<\/td><\/tr> Minnesota<\/td> $1,031<\/td> $1,031<\/td> Same<\/td><\/tr> Oregon<\/td> $1,120<\/td> $1,149<\/td> Women<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n Why Are Men Paying More Now?<\/strong><\/h2>\n\n\n\n
1. Risky Driving Behavior<\/strong><\/h3>\n\n\n\n
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3. Younger Male Drivers<\/strong><\/h3>\n\n\n\n
Should Gender Even Matter Anymore?<\/strong><\/h2>\n\n\n\n
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<\/strong>Loyalty doesn\u2019t pay. Compare quotes regularly and switch if needed. Check out Beem’s car insurance comparison tool<\/a> to find the lowest insurance rates and save up to 40% on premiums.
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<\/strong>Combine your auto insurance with renters or homeowners to get a discount.
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<\/strong>In most states, credit still affects premiums. Better score = lower rate. Beem also offers a credit monitoring tool<\/a> that helps you track, review, and improve your credit score.
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<\/strong>Let your insurer track your driving and reward safe habits.
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<\/strong>Sedans with good crash-test ratings typically cost less to insure than sports cars or luxury models.
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<\/strong>If you rarely file claims, increasing your deductible can cut your monthly premium.
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<\/strong>Less mileage = less exposure = lower rates. Some insurers offer low-mileage discounts.
<\/li>\n<\/ol>\n\n\n\nThe Gender Gap Is Closing (But It’s Complicated)<\/strong><\/h2>\n\n\n\n