Auto insurance actuaries make generalizations about groups of people to help them determine auto insurance rates. Your gender (along with other auto insurance rating factors like age, Zip Code, etc.) can generally predict how you'll perform behind the wheel.
Auto insurance can be expensive, especially if you're an inexperienced driver with a less-than-perfect driving record and you're male. Here's why:
Gender driving behavior
Generally, males between the ages of 16–25 pay more for auto insurance than females the same age. Here are some gender behaviors auto insurance actuaries predict will occur behind the wheel:
- Males typically drive more than females. (The more miles you drive, the higher your chances are for accidents and auto insurance claims.)
- Young males take more risks behind the wheel. (Insurance companies charge inexperienced drivers — both male and female — higher auto insurance rates since they're more likely to file an auto insurance claim or get a speeding ticket sometime during their young driving careers.)
- Young adult males push their limits behind the wheel. As a result, they're more likely to drive when tired and fall asleep behind the wheel.
However, male drivers can look forward to more equitable auto insurance rates with their female counterparts as they mature. As their driving experience grows, males will find that they pay less for auto insurance — especially with a good driving record and few to no auto insurance claims.
Young, good drivers need apply
Esurance has good news for young drivers. While most auto insurance companies make young drivers wait until they turn 25 for lower auto insurance premiums, Esurance offers most young drivers a discount on their policy every term (assuming there are no traffic violations or auto insurance claims).
If you're in this category of drivers or you know someone who is, read about teen drivers and their auto insurance to find out how to save on auto insurance.
Regardless of whether you're male or female, young or not so young, we predict that you love saving money. Get a free auto insurance quote from Esurance and find out how much you could save on your auto insurance today!