Unfortunately, in the U.S., there’s no federal legislation mandating equal rights for all U.S. citizens regardless of gender, as the Equal Rights Amendment has yet to pass. That’s why, in 43 states, it’s legal for insurance companies to discriminate by charging more for insurance on the basis of the gender. But unlike in most other aspects of society, like in incomes, women are actually better off than men when it comes to auto insurance rates — the men pay more. What’s the reason for this disparity between male and female drivers?
Why Do Men Pay More for Car Insurance?
In short, men pay more for insurance than women because, statistically, they pose a higher risk to the insurance providers due to a few differences.
Higher Fatality Rates
Despite being only half of all licensed drivers, men made up 71 percent of all traffic fatalities in 2019, according to data from the National Highway Traffic Safety Administration. That means they’re 145 percent more likely than women to die in traffic accidents.
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FYI: It’s legal to determine car insurance rates on the basis of gender in every state except for California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania.
Higher DUI Rates
Men are also more likely than women to be arrested for driving under the influence (DUI) across all age groups. The disparity was most prevalent for those ages 65 and older, where men are 341 percent more likely to be arrested for DUIs than women in the same age group.
Age group: How much more likely were men to be arrested for DUIs in 2019?
- 15-24: 173%
- 25-29: 169%
- 30-34: 165%
- 35-39: 179%
- 40-44: 189%
- 45-49: 180%
- 50-54: 191%
- 55-59: 218%
- 60-64: 256%
- 65 and over: 341%
- Average: 206%
Did you know? The group of people most likely to be arrested for DUIs, aside from men, is those ages 15 to 24, where nearly 3 percent of the population has been arrested for DUIs. Second is the age group 25 to 29, where nearly 1 percent were arrested for DUIs.
More Likely to Be Stopped by Police
While men and women were equally likely to have contact with police due to traffic accidents, men were 32 percent more likely than women to be stopped by the police in 2018.
In 2018, 1 in 4 men were stopped by the police while driving, compared with 1 in 5 women. That’s yet another reason women pay less for car insurance premiums.
Unfortunately for men, insurance companies set policy rates based on population statistics at large, not individuals. That means, even if all else is equal with their female counterparts, men are still likely to pay more than women for auto insurance.
Recap
Of course, gender isn’t the only rating factor affecting car insurance costs. Age, marital status, and state requirements also come into play. To learn more, read our guide on the cost of car insurance
Short of undergoing gender reassignment surgery and aging past 25, when rates drop across the board, there are a few simple ways that men can save money on car insurance:
- Get discounts. Take advantage of your car insurance company’s discounts. We’ve seen discounts for everything from paperless billing to annual policies, so make sure you’re doing all you can to save money on premiums.
- Drop coverages. If you have an older car, collision coverage and comprehensive coverage probably aren’t as necessary as they are for new cars. Learn more about the difference between collision vs. comprehensive coverage, or read our auto insurance FAQs for even more food for thought.
- Bundle insurance. Buying renters or homeowners insurance? You can save money by bundling policies under one provider.
This article originally appeared on AutoInsurance.com and was syndicated by MediaFeed.org.
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This state has the rudest drivers in the US, by far
Everyone appreciates having their own space on the road. Leaving a proper following distance and being courteous with ceding the right of way makes driving both safer and less stressful for everyone involved. Unfortunately, some drivers adhere to these principles less often than they should, which can lead to serious consequences.
Rude driving behavior — such as failing to yield to another driver or running a stop sign — not only endangers everyone else on the road but takes a huge toll on the inconsiderate driver’s wallet, too. Insurify’s 2021 Insuring the American Driver Report found that having a single rude driving infraction on record increases a driver’s yearly insurance premium by an average of more than $400 compared to what drivers with a clean history spend.
While ill-mannered driving happens everywhere, motorists in certain corners of the country are more likely to engage in such behavior. Curious to see where drivers most often exhibit impolite road etiquette, the data scientists at Insurify referred to their database of over 4.6 million insurance applications to identify the 10 states with the rudest drivers in 2022.
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- National averages. Across the United States, 1.68% of drivers have a prior citation on record for rude driving behavior. The three most common rude driving citations are failure to stop at a stop sign, failure to stop at a red light, and failure to yield to another driver, with 0.61%, 0.47%, and 0.32% of drivers, respectively, having one of these violations on record. Together, these three violations account for 84% of all rude driving incidents in the U.S.
- The rudest states stand well above the rest. While a relatively low share of drivers across the nation have a prior rude driving citation on record, inconsiderate driving behavior is substantially more common in the top ten states for rude driving. Overall, motorists in these states accrue rude driving infractions 1.6 times more often than in the U.S. as a whole. They are particularly prone to cutting off their fellow drivers, as they are 2.1 times more likely than average to be cited for failing to yield to another motorist.
- Southern hospitality, at home and on the roads. Leave it to the South to have some of the most courteous drivers in the country. Four of the ten states with the fewest rude drivers per capita are in the South, including Kentucky, whose 0.67% rude driving rate is the lowest in the nation. Not every state in the region is so polite, however, as one southern state did make it into the top 10.
Insurify
The data scientists at Insurify, a platform to compare auto insurance rates, referred to their database of over 4.6 million car insurance applications to identify the ten states with the rudest drivers in 2022. When applying for car insurance, applicants disclose their state of residence and any prior violations on their driving record within the past seven years. Insurify determined the following violations as most indicative of rude driving: failure to yield violations (failure to yield the right of way, failure to yield to a pedestrian), failure to stop violations (failure to stop for a red light, school bus, or stop sign), improper backing, passing where prohibited, tailgating, street racing, and hit-and-runs.
Analysts compared the number of drivers in each state with one or more of these violations on record to the total driving population. The states with the highest share of drivers with these penalties were determined as the states with the rudest drivers in 2022.
The findings in this article represent statistical trends found in Insurify’s analysis of national real estate data. The findings of this study are not meant to imply the direction nor necessarily the existence of a causal relationship. Rather, this is a presentation of statistical correlations of public interest.
DepositPhotos.com
- Share of drivers cited for rude behavior: 2.31% (27% greater than national average)
- Most common rude citation: Failure to stop at a stop sign (136% greater than national average)
With a rude driving citation rate of 2.31%, North Dakota ranks 10th on the list of the rudest driving states in America. North Dakotans have an especially hard time coming to a full stop at stop signs, perhaps because they feel especially rushed or perhaps just because the state’s famous wintry conditions make the roads more slippery than many anticipate.
sequential5
- Share of drivers cited for rude behavior: 2.38% (29% greater than national average)
- Most common rude citation: Failure to stop at a stop sign (68% greater than national average)
Montana’s nickname, The Treasure State, evokes many of the state’s wonders, from its stunning open plains to its soaring mountain peaks. However, it probably doesn’t call to mind Montana residents’ record of impolite driving citations, which is less than pristine. Indeed, Montana’s rude driving infraction rate of 2.38% is nearly 1.3 times greater than the national average.
YinYang
- Share of drivers cited for rude behavior: 2.52% (33% greater than national average)
- Most common rude citation: Failure to stop at a stop sign (65% greater than national average)
Like Montana, Wyoming is home to beautiful and rugged mountain terrain at the heart of the American West. The two states even share a border that spans over 300 miles and runs through famed Yellowstone National Park. The two states also share a penchant for less-than-courteous driving behavior, at least as evidenced by driving infraction rates. With 2.52% of Wyoming drivers having a prior rude driving citation on record, the state ranks eighth on the list of the rudest driving states in 2022.
AnujSahaiPhotography
- Share of drivers cited for rude behavior: 2.56% (34% greater than national average)
- Most common rude citation: Failure to stop at a stop sign (48% greater than national average)
Though many Southern states — highlighted by Kentucky — have impressively high rates of polite driving, Georgia motorists do not follow suit with the rest of the region. 2.56% of Georgia drivers have a prior rude driving infraction on record, a share that’s 34% higher than the national average. Georgian’s most common rude citation? Like nine states in the rankings, it’s failure to stop at a stop sign.
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- Share of drivers cited for rude behavior: 2.61% (36% greater than national average)
- Most common rude citation: Failure to stop at a stop sign (47% greater than national average)
Situated squarely in the nation’s farm belt, Nebraska is home to those quintessentially American amber waves of grain. Fittingly, the state’s official flower is goldenrod. But Cornhusker drivers aren’t taking home gold (or silver, or bronze) in 2022 when it comes to courteous driving rates. 2.61% of Nebraska drivers have a rude driving violation on record, a share that’s 36% greater than the national average.
marekuliasz
- Share of drivers cited for rude behavior: 2.68% (37% greater than national average)
- Most common rude citation: Failure to stop at a stop sign (75% greater than national average)
Ohio drivers have a tendency to get into trouble on the roads, as the state ranks first overall on Insurify’s list of the worst driving states in 2022. Unsurprisingly, that knack for accruing moving violations of any kind also extends to those deemed as indicative of rude driving behavior by Insurify’s measures. With a rude driving infraction rate of 2.68%, Ohio places fifth on the list of states with the rudest drivers in 2022.
dypics
- Share of drivers cited for rude behavior: 2.82% (40% greater than national average)
- Most common rude citation: Failure to stop at a stop sign (45% greater than national average)
With 2.82% of Old Dominion drivers having a prior rude driving citation on record, Virginia motorists exhibit discourteous behavior at the fourth-highest rate in America. Indeed, they do so 40% more often than the national average. Virginia drivers most commonly fail to stop at stop signs, and they run red lights at elevated rates (47% higher than the national average), too.
DenisTangneyJr
- Share of drivers cited for rude behavior: 2.95% (43% greater than national average)
- Most common rude citation: Failure to stop at a stop sign (89% greater than national average)
Despite the state having a reputation for being “Midwest Nice,” some Wisconsin drivers don’t always behave that way on the roads. Wisconsin ranks third on the list of states with the rudest drivers in 2022, with 2.95% of its motorists having a prior rude driving citation on record.
FierceAbin
- Share of drivers cited for rude behavior: 2.99% (44% greater than national average)
- Most common rude citation: Failure to stop at a red light (172% greater than national average)
At only 1.2 persons per square mile, Alaska is by far the least densely populated state in the country, meaning its drivers are less likely to encounter a fellow motorist when out on the streets. However, this might be tempting some Alaska drivers to bend the rules of the road, as evidenced by the state’s crazy-high rate of running red lights — over 2.7 times greater than the national average. Just because an intersection seems clear is no reason to engage in dangerous driving behavior, but Alaska drivers’ elevated rate of doing so places them second on 2022’s list of the rudest drivers by state.
Chilkoot
- Share of drivers cited for rude behavior: 3.44% (51% greater than national average)
- Most common rude citation: Failure to stop at a stop sign (81% greater than national average)
When it comes to demonstrating high rates of rude driving behavior, Idaho motorists have no equal. Not only is the state’s 3.44% rude driving citation rate 51% higher than the national average, it’s also a full 15% higher than the next closest state’s. Idaho joins Montana, Wyoming, and Alaska as another state in the American West that couples gorgeous mountains with less-than-pristine driving records.
Related:
This article originally appeared
on Insurify.comand was syndicated
by MediaFeed.org.
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Featured Image Credit: RostislavSedlacek.
