The answer is yes and no. Women do pay more for car insurance than men for the same coverage in some cities. It is difficult to generalize this across the country or a state. Insurance companies have shown substantial disparity in how they assess the risk associated with a particular driver based on gender among other factors. There are many instances where men pay more than women for the same coverage and while having the same profile, which includes age, type of vehicle and driving record. There are numerous instances where women pay substantially more but only when age becomes a decisive element.
According to official figures made available by National Highway Traffic Safety Administration, male drivers are responsible for causing over six million accidents every year. Female drivers are faulted in almost four and a half million accidents every year. One could debate that there are fewer female drivers but it is not exactly true. Even if we accept the reality that a vast majority of professional drivers are males, the fact is most women drive regularly and it is regardless of whether they work or not so the truth is that male drivers are riskier to insure.
Many studies have been conducted around the country and it has been almost unanimously inferred that young men, those in their late teens and early twenties, are the most rash on the roads. They cause the costliest and the most severe accidents. Young women are much safer drivers and hence they do not pay more than their male counterparts. This changes when women get to their forties and later in their sixties. Middle aged and elderly women have to pay much more for car insurance than men in the same age groups and with a similar or even identical driving record.
In some cases, women aged forty to sixty pay as much as a hundred dollars more every year than men of the same age with identical driving record. In rare cases, such women pay as much as five hundred dollars more per year for the same insurance coverage as compared with the premium for men. These aberrations are not uniform across the country. Women pay less for car insurance in Cleveland, Houston and Atlanta. Men pay less in Minneapolis, Tampa and Baltimore. Across metropolises, car insurance costs are getting more normalized but gender as a risk factor does not have factual backing.