All but seven states allow car insurance companies to consider gender when determining premiums and, as recently as 2018, women paid more than men in half of U.S. states. Now, a new report indicates the pendulum has swung in the other direction: According to April 2025 data from insurance comparison site The Zebra, men pay higher average rates for full-coverage car insurance in 38 states.
The difference isn’t monumental — about 1.5% more, or $33 more per year — but it indicates changing views on gender and driving. The Zebra study analyzed 32 million customers getting price quotes from top providers on the Zebra platform in 2022, the most recent year for which data is available. The study did not account for the spectrum of gender identities, however: Visitors to the Zebra site are only offered
Women Pay Less Than Men for Car Insurance in Most of U.S.
