Consumer Affairs writes that if you are a woman, you now typically pay less for car insurance.
Women pay more for car insurance than men in only four states and Washington D.C. in 2025, marking a reversal from recent years when women used to pay more in half of states, according to a report from insurance-comparison website The Zebra.
Things have only gotten better for female drivers: Women pay $33 less on average for car insurance than men in 2025, but they used to pay $10 more back in 2018.
Current average annual car insurance premiums for men are $2,184 and $2,151 for women, The Zebra said.
State regulators have generally accepted gender-based pricing because insurers have shown it is linked to risks.
But considering gender as a rating factor is outlawed in seven states: California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania.
The only states where women are still paying more than men for car insurance are Florida, Oregon, Oklahoma and New York.
See where women pay less than men for car insurance in 2025
Click on the image, go to the site to hover or click state for details−4.8%0.0%2.3%2.3%
Why do women pay less for car insurance than men?
Men tend to drive more carelessly than women, which is why insurers are increasingly offering women better car insurance rates.
The data is on the side of women:
“Men typically drive more miles than women and more often engage in risky driving practices including not using safety belts, driving while impaired by alcohol, and speeding,” IIHS said. “Crashes involving male drivers often are more severe than those involving female drivers.”
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Oklahoma
Percent difference: 2.3%
Dollar difference: $28
Women average annual car insurance: $1,200
Men average annual car insurance: $1,173
Source: The Zebra
Why do women pay less for car insurance than men?
Men tend to drive more carelessly than women, which is why insurers are increasingly offering women better car insurance rates.
The data is on the side of women:
“Men typically drive more miles than women and more often engage in risky driving practices including not using safety belts, driving while impaired by alcohol, and speeding,” IIHS said. “Crashes involving male drivers often are more severe than those involving female drivers.”
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Based in New York, Stephen Freeman is a Senior Editor at Trending Insurance News. Previously he has worked for Forbes and The Huffington Post. Steven is a graduate of Risk Management at the University of New York.