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How much men and women pay for auto insurance has flip-flopped in recent years as men exhibit riskier driving behavior and a higher likelihood to be involved in fatal crashes, according to a report by Zebra.
For nearly every year from 1975 to 2022, the number of male crash deaths was more than twice the number of female crash deaths, the data showed, resulting in men now paying more for car insurance in 38 states.
“Back in 2018, women paid an average of $10 more nationally for car insurance,” Zebra said in the study. “Now, in 2025, they pay about $33 dollars less. “
The current averages for annual premiums are $2,184 for men and $2,151 for women. Meanwhile, seven states including Minnesota, California, Hawaii, Massachusetts, Montana, North Carolina and Pennsylvania don't consider gender as a rating factor.
“The states with the highest difference between what men and women pay on average are Idaho, Missouri, Texas and Wyoming, which all have an increase of 4% to 5% for men,” Zebra said. “This amounts to an annual increase between $59 and $140. The four states and Washington D.C. where women pay more than men are Florida, New York, Oklahoma and Oregon.”
The amount of difference paid can vary significantly between states from a $1 difference to a near 5% increase, according to the study.
Why some states avoid using gender as a rating factor
- The states that have outlawed insurance companies from considering gender as a rating factor have mostly prohibited other personal rating factors besides gender, including age, credit history, education, occupation and employment status, etc.
- Lawmakers in these states have decided it is unfair for insurance companies to charge some drivers more due to personal characteristics.
- States favoring these more restrictive regulations believe drivers' car insurance costs primarily reflect their driving and claims history.
What all drivers pay for full auto coverage in 2025 also depends on the type of vehicle they drive.
On average, U.S. drivers pay $2,678 per year, or $223 per month, for full coverage. Other things impacting insurance costs include the price and availability of parts, cost of labor, statistical likelihood of accidents, how much damage a vehicle could cause during an accident and the vehicle’s safety and crash prevention features.
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