Insurance is determined on hard facts and statistics, and unfortunately, some men are letting the male side down.
Men traditionally have been paying more for decades, although the gap lessens somewhat after age 25, it never fully closes.
Factors that price male’s auto insurance higher:
- From 2000-2009, men were found to have been involved in 18 million more accidents than female.
- In 2011, 71 percent of crash deaths were male victims.
- Women wear seatbelts 27 percent more often than males.
- Men are two times as more likely to drive with a suspended license.
- Women receive 3.41 times fewer reckless driving tickets.
Typically, men are more likely to violate laws for speeding, passing, yielding, resulting in more accidents caused by men, therefore they pay a more expensive policy than women. Another way to look at this is that men are less compassionate drivers, so they are not as safe as women.
If you want to get scientific about the differences, men have more cones in their eyes while women have more rods. Rods provide stronger peripheral vision as well as the ability to see better in the dark, whereas cones give the effect of ‘tunnel vision’ so men may take the curve without hesitation, perhaps less carefully than women.
Although the cones and rods doesn’t explain the aggression factor that seems to be a large contributing factor to men, car accidents, violations, and higher insurance rates, some men have proven to be more defensive about their vehicle, seeking control on the roads. They also rack up around 61 percent of the total miles in the country. Statistically speaking, if they drive more, the more at risk of accidents they are. Of course, not all men are to blame for accidents, and insurance providers do look into driving history when determining insurance price.