All but seven states allow car insurance companies to consider gender when determining premiums and, as recently as 2018, women paid more than men in half of U.S. states.
Now, a new report indicates the pendulum has swung in the other direction: According to April 2025 data from insurance comparison site The Zebra, men pay higher average rates for full-coverage car insurance in 38 states.
The difference isn’t monumental — about 1.5% more, or $33 more per year — but it indicates changing views on gender and driving.
The Zebra study analyzed 32 million customers getting price quotes from top providers on the Zebra platform in 2022, the most recent year for which data is available. The study did not account for the spectrum of gender identities, however: Visitors to the Zebra site are only offered “male” and “female” options and are told to list the gender on their driver’s license.
Women do still pay more in Florida, New York, Oklahoma, Oregon and Washington, D.C. Rates are equitable in Minnesota, even though the Gopher State allows insurance providers to consider sex when charging premiums.
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California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania prohibit using gender as a consideration in auto insurance rates or approvals.
Even in the states where it’s allowed to be considered, gender is just one of many factors that determine approval and premiums: Where you live, your driving history and even your credit score can have a bigger influence on how much you’ll pay.
Under the hood: Why men and women pay differently for car insurance
- For nearly every year from 1975 to 2022, the number of male deaths from auto crashes was more than twice the number of female crash deaths, according to the Insurance Institute for Highway Safety.
- Men typically drive more miles than women and are more likely to engage in risky driving practices, including speeding, not using seat belts and driving under the influence, the Insurance Information Institute reported. Crashes involving male drivers are often more severe than those involving female drivers.
- According to the National Highway Traffic Safety Administration, alcohol-impaired drivers were involved in one-third of all fatal car crashes in 2022, and men outnumbered women in those fatalities three to one.
How much women and men pay for car insurance by state
Idaho, Missouri, Texas and Wyoming had the highest difference in average rates, with men paying between 4% and 5% more. That amounts to between $59 and $140 more a year, according.
Where women pay more than men — Florida, New York, Oklahoma, Oregon and Washington D.C. — the average difference was much smaller: between .04 and 2%.
| State | Annual rates for men | Annual rates for women | Difference | Higher rate |
| Alabama | $979 | $954 | 2.68% | Men |
| Alaska | $1,058 | $1,043 | 1.40% | Men |
| Arizona | $1,177 | $1,149 | 2.40% | Men |
| Arkansas | $1,205 | $1,187 | 1.55% | Men |
| California | $1,097 | $1,097 | 0.00% | Not considered |
| Colorado | $1,341 | $1,305 | 2.75% | Men |
| Connecticut | $1,223 | $1,198 | 2.08% | Men |
| Delaware | $1,284 | $1,280 | 0.36% | Men |
| Florida | $1,843 | $1,885 | 2.21% | Women |
| Georgia | $1,280 | $1,253 | 2.12% | Men |
| Hawaii | $806 | $806 | 0.00% | Not considered |
| Idaho | $732 | $701 | 4.45% | Men |
| Illinois | $988 | $960 | 2.95% | Men |
| Indiana | $828 | $804 | 2.88% | Men |
| Iowa | $844 | $836 | 0.87% | Men |
| Kansas | $1,172 | $1,137 | 3.14% | Men |
| Kentucky | $1,465 | $1,434 | 2.15% | Men |
| Louisiana | $1,651 | $1,627 | 1.47% | Men |
| Maine | $767 | $738 | 3.99% | Men |
| Maryland | $1,213 | $1,187 | 2.19% | Men |
| Massachusetts | $800 | $800 | 0.00% | Not considered |
| Michigan | $1,237 | $1,236 | 0.04% | Men |
| Minnesota | $1,031 | $1,031 | 0.00% | No Difference |
| Mississippi | $1,066 | $1,034 | 3.02% | Men |
| Missouri | $1,612 | $1,542 | 4.53% | Men |
| Montana | $1,108 | $1,108 | 0.00% | Not considered |
| Nebraska | $1,025 | $992 | 3.27% | Men |
| Nevada | $1,365 | $1,346 | 1.42% | Men |
| New Hampshire | $711 | $691 | 2.93% | Men |
| New Jersey | $1,169 | $1,165 | 0.39% | Men |
| New Mexico | $1,015 | $999 | 1.63% | Men |
| New York | $1,263 | $1,281 | 1.45% | Women |
| North Carolina | $766 | $766 | 0.00% | Not considered |
| North Dakota | $1,042 | $1,013 | 2.90% | Men |
| Ohio | $739 | $722 | 2.35% | Men |
| Oklahoma | $1,173 | $1,200 | 2.29% | Women |
| Oregon | $938 | $944 | 0.57% | Women |
| Pennsylvania | $1,134 | $1,134 | 0.00% | Not considered |
| Rhode Island | $1,321 | $1,286 | 2.66% | Men |
| South Carolina | $1,208 | $1,174 | 2.92% | Men |
| South Dakota | $1,001 | $981 | 2.12% | Men |
| Tennessee | $998 | $969 | 3.04% | Men |
| Texas | $1,291 | $1,232 | 4.77% | Men |
| Utah | $1,107 | $1,094 | 1.19% | Men |
| Vermont | $652 | $636 | 2.44% | Men |
| Virginia | $947 | $930 | 1.90% | Men |
| Washington | $1,079 | $1,073 | 0.52% | Men |
| Washington, D.C. | $1,356 | $1,357 | 0.04% | Women |
| West Virginia | $1,037 | $1,034 | 0.29% | Men |
| Wisconsin | $855 | $831 | 2.97% | Men |
| Wyoming | $804 | $769 | 4.56% | Men |
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