Gender & Age

If you are a male driver between ages 16 and 25, then you can expect to pay more for premiums than other age and gender groups. The fact is 16-year-olds, particularly males, are twice as likely to have fatal crashes with passengers.

As drivers age and gain more experience, insurance rates typically begin to decline. Drivers between 40 and 50 are typically seen as the safest people on the road and this will be reflected in the form of lower premiums. Still it’s important to bear in mind that an individual’s driving record will also play a role in determining car insurance premiums.

Once drivers reach the age of 75 however, insurance premiums again will rise since geriatric drivers rank a close second behind teenagers in risk to car insurance companies.

On the whole, car insurance companies assume more risk with male driver than female. Again, this is just a general rule and will largely depend upon the driver’s age and driving history. Just being female doesn’t necessarily mean you will always have low insurance premiums if your driving history is checkered.

It also stands to reason that if you’re a male driver with a clean driving history, your car insurance premiums will likely be low as the insurance company will see no reason to needlessly penalize you with higher premiums.