Shocking Study Reveals Women Pay More for Car Insurance in Most States

by AutoExpert   |  3 May, 2024

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So, get this: women often pay MORE for car insurance than men. A new study dug into the numbers, and the results are seriously annoying. We found out that in a whopping 37 STATES, women are shelling out more cash for the same coverage.

Here's the Breakdown:

Women Pay More for Car Insurance

  • The Price Gap is Real: It's not a huge difference everywhere, but on average women are paying about $32 more per year. Still, in some states (like Florida...ugh), that gap is HUGE – like, nearly $200 a year!
  • Why the Heck Is This Happening? Insurance companies claim it's all about data and who's "riskier" to insure. In their defense, the numbers in some places DO show women get in more fender benders. But I ain't convinced, it feels old-fashioned and unfair.
  • Some States Get It Right: Places like California, Hawaii, and Massachusetts have finally banned this whole gender-pricing thing. The rest of the country should catch up.

Women Pay More for Car Insurance

Extra Annoying Fact: Teen Drivers

Get this: Even teenage guys, who we ALL know are more likely to do crazy stuff behind the wheel, get cheaper rates than girls the same age! The difference is crazy – over $500 a year on average. What gives?

Okay, Rant Over. Here's What We Can Do:

  • This Study Matters: Knowing is the first step, right? Spreading the word, maybe even pushing for change in those unfair states, that's how we fight back.
  • Don't Be Afraid to Shop Around: Insurance companies aren't one-size-fits-all. One might not care about your gender as much as the next, so getting lots of quotes is KEY.
  • States Could Step Up: More states need to ban this gender-based pricing. Period. If they won't do the right thing, maybe we can vote 'em out.

Women Pay More for Car Insurance

Bottom Line: This whole car insurance gender gap is frustrating. But knowledge is power, so let's use it to push back and demand fairness.

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