Plus, men have riskier driving habits like driving under the influence, not using seat belts and speeding.
And crashes caused by males are often more severe than crashes caused by women. In 2015, 11,726 male drivers of passenger vehicles died in car crashes, compared to 4,750 female drivers.
For the last 40 years, the annual number of male crash deaths has been more than twice the number of female crash deaths.
And what about the cheapest car insurance for women?
There are ways to find cheap car insurance for men, such as:
Insurance companies see young married men as lower-risk than single ones. But the insurance benefits are greatest when you’re under 25, so grab a ring and hop to it
Polish your credit: While the practice is illegal in some states, insurance companies often consider credit scores when determining premium rates. Men (and women too) may have better luck finding cheap auto insurance if they have a high credit score. You can raise your score by paying bills on time and paying down debt.
How To Get The Cheapest Car Insurance for Women
Women don’t always enjoy the benefits of cheap auto insurance. After turning 30, NerdWallet says, women can pay up to 5.4 percent more than men for the same coverage. But there are ways to reduce the cost of car insurance for women.
Many insurance companies offer telematics, which means customers plug a little electronic device into their car that tracks and gives feedback on their driving habits. The insurance company gets your data and you get a discount if you drive safely.
A recent study in Canada found that women drivers, as compared to men, saw greater improvement in their driving after using the telematics device for 26 weeks.
Why? The researchers weren’t sure.
How Men and Women Can Find the Cheapest Car Insurance
Of course, most money-saving tactics work for men and women alike. One way to get cheaper car insurance is simply to call your insurance company and find out if you’re receiving all the discounts you’re eligible for. You may get a cheaper rate for being part of a professional organization, a college alum, a fraternity/sorority member or a member of AAA.
We wish we could give you the name of one company that offers the absolute cheapest car insurance for women and men — but it just doesn’t work like that. Each car insurance company has its own ways of judging risk and setting rates. The only way to make sure you get the best deal is to run the numbers for yourself and compare prices.