Why Women Pay Less For Car Insurance: 3 Statistics That May Surprise You
Stereotypes may say that women are worse drivers than men, but driving statistics tell a very different story. Women tend to see lower car insurance rates because they tend to engage in fewer impulsive behaviors while driving. If Samantha has a lower car insurance rate than Samuel, it’s because the insurance company is accounting for these three statistics:
● Speeding ticket rates. Speeding is a major factor that contributes to most deadly accidents. According to data from the National Highway Traffic Safety Administration, a man on the road is about 10% more likely to be issued a speeding ticket than his female counterpart. This means that the man is also more likely to find himself at an auto body repair shop in Bensalem, PA, leaving the insurance company with the bill.
● DUI rates. When it comes to driving under the influence, there’s a massive discrepancy between the sexes. The FBI reported that, in 2013, 536,202 men were arrested for a DUI, compared to 174,149 women. That makes a man almost three times more likely to be arrested for driving while intoxicated than a woman.
● Seatbelt stats. Statistics show that women are also much more likely to wear their seatbelts while driving. According to the National Association of Insurance Commissioners, men are 10% more likely to admit to skipping the seatbelt, leaving them more vulnerable during an accident.
If you’re a guy and these statistics are leaving you feeling dangerous, don’t worry—all this means is that a female who is otherwise identical to you would pay less for her insurance based purely on government data. Your personal driving record is much more important when it comes to calculation of your rates than your gender. The best way to lower your insurance is, by far, staying safe on the road.
If you have been involved in an accident and you’re in need of dent repair in Levittown, PA, Peruzzi Collision Center is here to help! Give us a call today at 215-375-7929—no matter your gender, we’ll give you top-quality service at an affordable price.