Motor insurance in the USA: the premium is based on the sex of the driver

In the United States, the calculation of the motor insurance premium is based on various criteria including the sex of the driver. That's the rule in 45 American States.

In 2018, women paid more for their insurance than men in 25 States. Conversely, men have disbursed more money in 20 other States.

In addition, according to the Zebra insurance comparator, the feminine gender has been sanctioned over the past two years. In 2016, Female drivers paid more for their motor insurance in only 12 States compared to 25 in 2018. The gap between men and women is widening. For example, in Nevada, a woman paid an average of 14 USD more than a man to insure his car in 2016. In 2018, the difference goes to 121 USD.

In January 2019, the State of California prohibits insurers from referring to sex for the calculation of motor insurance premiums. An initiative already undertaken by Montana, North Carolina, Pennsylvania, Massachusetts as well as Hawaii.

In Europe, the European Court of Justice imposed on 21 December 2012 the unification of motor tariffs between men and women.