Gender-based statistics on risky driving behavior influence car insurance rates for boys and girls. Age and sex have categorized accidents differentially for many years. According to National statistics, males between 16 and 30 show risky driving behavior as compared to females. Males choose to drive expensive and risky vehicles. Their frequency of motor accidents and average mileage exceed that of females. Insurers calculate car insurance rates by age and gender because of these risks.
Insurers are prone to charge younger males excessively due to their car choices and driving habits. Though it is not a thumb rule, insurers may also make exceptions for girl drivers for offering 0 down payment car insurance. This is likely to increase their good customer base. Boys attract higher premiums as they drive showy sports cars at higher speeds, taking more risks than any girl does. As a result, insurers justify higher car insurance rates by gender for boys. Younger boy drivers have more accidents causing fatalities and violations.
Female Car Insurance Cheaper Than Male
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