Will women pay less for car insurance?

Legally, for almost a decade, gender should no longer be the determinant of insurance prices. However, keep in mind that women pay less car insurance on average than men. How would you describe it?

No discrimination after 2012

Some clich├ęs die hard. For example, if gender is entered in the car insurance calculation. In fact, this method hasn’t been used for nearly a decade. In a decision of December 21, 2012, the Court of Justice of the European Union (CJEU) declared that the use of gender in insurance pricing was discriminatory.

“Considering the gender of the insured as a risk factor in an insurance policy constitutes discrimination.” (CJEU, March 2011)

As a result, insurance companies are prohibited from using this standard to determine automated tariffs. At the time, the European Insurance Federation (CEA) regretted this decision because it would be punished exactly … Women, People who haven’t paid much for car insurance until now.

According to a survey conducted by Assurland.com at the time, women paid on average with the same profile. 12% less than men.. Since then, this price advantage has disappeared in the last decade. Taken together, women’s contributions are up 12% compared to men’s. They no longer benefit from their lower loss experience in statistical calculations of their risk.

However, between 2012 and 2022, when all profiles were combined, the increase in car insurance premiums was 16%. Proportionately, even though the contributions of female drivers increased during the period, they remain on average lower than the contributions of male drivers today.

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Do women pay less than usual?

Indeed, even if gender is no longer needed to establish a car insurance quote, it will continue to be indirectly heavier. Other criteria that overlap with the insured’s gender remain decisive in the calculation of contributions. The number of claims filed, the mileage, and the type of vehicle.

First of all, car policyholders declare fewer claims than men.Almost all women do not declare No permit case, 5% of men have at least one (license cancellation or withdrawal). in the same way, Eighty percent of women have not declared a claim in the last three years. This is 3 points less than 10% of men who declare 2-5 claims in 3 years.

The number of complaints reported may also be related to the number of kilometers traveled. The higher the number of years, the higher the statistical risk of accidents.Therefore, insurance companies apply higher rates “Big wheels”..But women are just 56% to drive over 15,000 kilometers a year4 points less than men.

Finally, consumption habits, Related to income inequality between men and women, It also affects the insurance amount. Male policyholders drive city cars on average less than women, and more expensive cars to buy (SUVs, 4X4s, sports cars, powerful cars, etc.) are repaired and therefore insured. It costs money to make a call.

Top 20 Most Insured Car Models

Rank woman male
1 206 Clio
2 Clio 308
3 208 206
Four Clio IV 207
Five Clio III 307
6 207 Clio IV
7 308 Clio III
8 C3 208
9 Fiat 500 3008
Ten Fiesta Fiesta
11 11 307 Golf VII
12 Sandero Megane III
13 mini Sandero
14 Corsa Corsa
15 Twingo Megane II
16 16 Cpature C3
17 17 Polo V C4 Picasso
18 18 3008 Class A
19 19 Twingo II Duster
20 C3 II Class C
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