One challenge: There isn't sufficient data on nonbinary people to establish an auto insurance rate based solely on that population. (PlutusART/Shutterstock) One challenge: There isn't sufficient data on nonbinary people to establish an auto insurance rate based solely on that population. (PlutusART/Shutterstock)

For decades, drivers who didn't identify themselves as male or female — known as nonbinary — have faced a problem: When applying for car insurance, they were presented with a form that asked them to identify their gender. Aside from the difficulty of feeling like their genders were not affirmed, there was also a chance that the gender they did select would affect the cost of their monthly premiums.

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