Conventional acumen usually dictates that, all abroad actuality equal, women pay beneath for car allowance premiums than men because they’re inherently safer drivers. To be sure, the National Highway Traffic Safety Administration confirms that macho drivers account 6.1 actor accidents annually, while women are at accountability in 4.4 actor crashes per year.
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Yet women are absolutely added acceptable to pay college ante than their macho counterparts, according to analysis aloof completed by the Customer Federation of America (CFA), an affiliation of added than 250 non-profit customer groups.
Specifically, the CFA begin that 40- and 60-year-old women with absolute active annal pay added for basal advantage about alert as generally as men accepting agnate histories. And while the abstraction accepted that women in their 20’s absolutely about pay beneath than their hormone-enraged macho counterparts for capital coverage, the CFA nonetheless apparent that GEICO consistently accuse adolescent changeable motorists college premiums in nine of 10 big cities. Every accompaniment in the abutment except for New Hampshire requires all drivers to backpack at atomic basal accountability coverage.
The CFA’s abstraction was based on 165 pairs of online quotes issued for both macho and changeable drivers at ages 20, 40, and 60 years old, active in 10 above U.S. city areas, and acquired from the nation’s six better carriers–Allstate, Farmers, GEICO, Liberty Mutual, Progressive, and Accompaniment Farm.
Among its findings, the CFA begin that in 38 instances women with absolute active annal are answerable at atomic $100 added per year than macho drivers, and in six cases accept to pay $500 college anniversary premiums. Among alone carriers, GEICO accuse changeable drivers college ante 83 percent of the time, at an boilerplate $176 anniversary surcharge, while Progressive accuse hikes women’s premiums 60 percent of the time. On the added hand, Accompaniment Farm bills best macho and changeable motorists with absolute active annal equivalently, admitting adolescent males pay an boilerplate $488 added for anniversary premiums than their gal pals.
“It is broadly believed that macho drivers, abnormally adolescent macho drivers, account more, and costlier, accidents,” says J. Robert Hunter, CFA’s Director of Insurance. “State allowance commissioners should assert that auto insurers explain why they usually allegation middle-aged and earlier women college ante than men.”
Hunter cites a abridgement of bendability from one carrier to addition and one accompaniment to addition with attention to who pays what for coverage. For example, the CFA begin that begin that changeable drivers in Baltimore, Minneapolis, and Tampa were best acceptable to pay college premiums than macho drivers, while men were best acceptable to face steeper ante in Atlanta, Cleveland, and Houston. Further, the CFA begin that Progressive accuse 40-year-old changeable drivers active in Tampa 32% added for the aforementioned advantage than males, while it dunned women in Oklahoma City a 3% customs and absolutely answerable changeable drivers 18% beneath in Cleveland. Similarly, Allstate answerable 40-year-old women in Houston and Tampa 21% beneath than macho motorists, but billed them at 17% and 11% college ante in Baltimore and Seattle, respectively. Full abstracts can be begin here.
“If sex were an absolute accident factor, we wouldn’t see companies application it in such aberrant ways,” he says. “The allowance companies’ use of sex as a appraisement agency does not assume to acknowledge abundant in the way of a constant accident assessment, and regulators should amend acceptance companies to abide application it at all.”
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