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.

Historically, auto insurers considered younger women to be safer drivers than younger men, who have a higher risk of accidents, speeding and DUI convictions. Because of that, younger women tend to be charged lower premiums than younger men. Then some U.S. states began to recognize the legal basis for gender identities beyond male and female, and that left auto insurers with a problem. What should they charge someone who identifies as nonbinary? How do you accurately rate the risk factors of a group whose identity has just begun to be recognized?

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