Why is the cost of car insurance higher for teenage boys than teenage girls? (Male vs. Female Rates)

Teenage boys usually pay more for auto insurance than teenage girls, but there are ways to help keep rates low.

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UPDATED: Jun 20, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 20, 2022Fact Checked

What you need to know...

  • Males usually pay more for car insurance than females, especially teens
  • In some states, using gender to determine rates is illegal
  • You can help keep insurance rates low, even for teen males, by understanding other factors that can influence rates

Car insurance for teens is some of the most costly, and males usually have higher rates than females. Read on for more information about why car insurance is more expensive for males, state laws about using gender to determine rates, and other factors that could influence your teen’s rates.

Why Male Teenagers Usually Pay More for Car Insurance

Teens pay the highest rates for car insurance of any age group because they have the least driving experience. They also have the highest fatality rates while driving. According to the Insurance Institute for Highway Safety (IIHS), about two of every three teenagers who die in a car accident are male.

Male teens tend to take risks (like speeding) more often than females, leading to these statistics. Since insurance companies make payments for accidents that involve male drivers more often than female drivers, their rates are higher, especially when they’re teens.

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Laws About Determining Auto Insurance Rates by Gender

In some states, teen males usually pay a lot less than in other states. These states ban gender discrimination by car insurance companies, making the rates for men and women with similar characteristics the same. 

In these states, insurers don’t consider gender:

  • California
  • Hawaii
  • Massachusetts
  • Montana
  • North Carolina
  • Pennsylvania

Men may still pay more than women because of their driving history and other factors, such as the number of car accidents they’ve claimed or the number of speeding tickets they’ve received.  

Factors That Could Impact a Teen’s Car Insurance Rates

Here are some of the factors that can influence insurance rates.

A Teen’s Grades and Education

A variety of insurance companies offer discounts for high school students with high GPAs. Some companies also offer discounts for college students that can remain on their policy even after they graduate. It’s also worth noting that women tend to have higher average GPAs than men, so fewer males can take advantage of this discount.

People with more education can often get lower rates because college graduates are seen by insurance companies to be more responsible and therefore better drivers.

Taking a driver’s education class in high school or with a private instructor can lower insurance rates as well.

A Teen’s Driving Record

People who have more accidents and traffic violations pay higher rates than those with fewer incidents on their record. Since men tend to take more risks and fewer precautions when driving, they also get more tickets and typically require more money for repairs after accidents.

The Make and Model of the Car

Sports cars usually have higher rates than vehicles with more safety features, like SUVs, minivans, station wagons, or sedans. These features can help inexperienced drivers avoid accidents. Many cars today have teen driver safety systems that can restrict audio volume and speed while keeping features like lane-keeping assistance on.

People are more likely to participate in risky maneuvers to test a sports car’s performance, especially teen males. It’s a good idea to look for an inexpensive vehicle that costs less to insure.

You can choose liability-only coverage without comprehensive or collision insurance because the potential cost of replacing the vehicle after an accident is low. With a more costly vehicle with a large engine, full coverage can keep you from having to pay for a new car or extensive repairs after an accident.

The Teen’s Family’s Auto Insurance Policy

People of any age who live at their parent’s home can get car insurance through their policy. Many insurers offer discounts for households with more than one driver. If one of the other people on the policy has a long driving history without any major accidents, you might even save additional money.

Final Thoughts on Car Insurance Rates for Male vs. Female Teenagers

Car insurance for teen males can sometimes be costly, but you can find an affordable policy by taking advantage of the discounts available and choosing an inexpensive vehicle with plenty of safety features. For most people, insurance rates drop as they get older and gain driving experience. No matter what your age, you can always compare rates in order to get affordable car insurance.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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