Women Now Pay Less for Car Insurance than Men in 2025

In a significant shift, women are now paying less for car insurance than men in most states, with only four states and Washington D.C. remaining exceptions in 2025. According to The Zebra, women on average pay $33 less than men for car insurance, contrasting with a $10 surcharge women experienced in 2018. The report also highlights that men typically pay higher premiums due to their more reckless driving habits, which include higher rates of speeding and incidents of driving under the influence.
State regulators have largely accepted gender-based pricing in insurance due to its correlation with risk. However, gender as a rating factor is illegal in seven states, which include California and Massachusetts. The four states where women still pay more than men are Florida, Oregon, Oklahoma, and New York. The change in dynamics is attributed to data indicating that men engage in riskier driving, leading to more severe accidents compared to female drivers.