Why Do Boys Pay More for Auto Insurance Than Girls?

by Jacob Broadley

On average, a man pays $15,000 more on auto insurance during his lifetime than a woman. Men pay much more for auto insurance than women, but high school boys just beginning to drive are effected the most. While the margin of difference between male and female premiums vary regionally, substantial gender-based policy rates exist across the entire U.S.

Auto Insurance Determinants

Auto insurance companies develop policy rates based on a number of criteria. Premiums largely coincide with driver risk. The more risk a driver poses, the more his insurance will cost. Car insurance companies consider a host of driver risk factors when quoting a policy. These include a driver's age, gender and years of driving experience. Driving records are important as well. Though driving history and vehicle model also affect insurance premiums, the ultimate determinant of auto insurance is the driver's risk factors.

Trends That Put Males at Higher Risk

Males pay more for auto insurance because they exhibit higher risk factors. Statistics show that men are more likely to have car wrecks than women. In fact, men are 77 percent more likely to die in a car collision than women. These statistics reflect risky behaviors that are more common among males, including high school boys. Males are more likely to speed, drive with too many passengers, and not wear their seat belts. Additionally, young male drivers below age 25 participate in more reckless activities like street racing.

DUI Factors

Males more often drive while under the influence of alcohol or other substances. Between 1999 and 2005, 175,000 men died in car crashes in the United States, compared to 82,000 women. The number one cause of vehicle fatalities in teenagers is alcohol, so insurance providers take DUIs very seriously. According to the Center for Disease Control and Prevention, men caused more than 80 percent of all DUI-induced collisions in 2010. Hence, males are at higher risk for serious, costly and fatal collisions than are females.

Ways to Limit Male Auto Insurance Premiums

Though auto insurance costs more for boys than for girls, boys can limit these costs in a number of ways. By taking a drivers education course, insurance companies may lower the monthly premiums. These courses teach drivers how to make responsible decisions and the importance of road safety. Teenagers and college students can get lower monthly rates for good grades. Some insurance companies will substantially lower insurance costs for a GPA of a 3.0 or higher. Sports cars, new cars, or cars painted red will increase premiums. By avoiding these vehicles, monthly rates will be reduced.

About the Author

Jacob Broadley started his career as a writer in 2008. Serving as the director of advertisement for the Louisville Cardinals for Life, Broadley has an extensive background in community assessment and commercialism. He won the 2009-10 Book-in-Common Essay Contest and the Trover Scholar Essay Contest in 2008. Broadley is completing his Bachelor of Science in cellular biology at the University of Louisville.

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