Are Age and Gender Significant Factors for Auto Insurance Rates?

Having auto insurance is mandatory while you’re on the road. Finding auto insurance that aligns with your budget can be a complicated process. Insurers assess multiple variables to help determine auto insurance rates. Read on to know more about the two important factors that may affect your auto insurance rates.

Factors Impacting Auto Insurance Rates


Young drivers are considered the most expensive drivers to insure. Insurers recognize that young drivers are more likely to be involved in an accident compared to experienced drivers, which increases their risks because:

  1.  Many young drivers fail to wear seatbelts while they’re on the road. Thousands of accident victims every year suffer significant injuries because they weren’t wearing a seatbelt at the time of impact.
  2. Young drivers also wish to explore their freedom by driving alone. Young drivers are at risk of being involved in an accident during the initial stages of solo driving.
  3. Alcohol-influenced young drivers are more likely to be involved in late-night crashes.
  4. They are more likely to speed while they are on the road .
  5. Young drivers are more likely to get distracted by talking or texting.

Driving Under the Influence

Driving under the influence often has fatal consequences. Effects of the same blood alcohol rate for a teen driver differ from an adult. Teen drivers get drunk faster, which increases the likelihood of an accident occurring if they get behind the wheel. Adults are viewed as more experienced drivers as they understand the importance of safe driving better. If you have a record of safe driving as a teen, you can expect your auto insurance rates to decline as an adult. As you approach senior citizen status, your insurance premiums may rise again. Insurers note that seniors may have trouble with impaired vision and situational awareness while they’re on the road.

Safety Tips for Teen Drivers

For teen drivers, the recommended safety tips are:

  1. You must wear your seat belt at all times.
  2. Try to avoid driving with more than two passengers to help minimize distractions.
  3. Avoid making phone calls and turning your music up to the point that it affects your hearing.
  4. Avoid long-distance driving or driving at night.
  5. Avoid driving when you aren’t feeling well.
  6. You must obey the speed limit and use turn signals as necessary.
  7. If you’ve had alcohol, you must assign a designated driver to take you home.

Male teenage drivers are charged the highest auto insurance rates among citizens as they are considered reckless and aggressive while driving. Female teen drivers are also starting to develop a reputation as distracted drivers. If you are the parent of a teenage driver, it’s recommended that you try to purchase a second-hand car. Enrolling the young driver in a driving course can help improve their skills and inform them about the benefits of safe driving. Your child may even qualify for a safe driving discount if they are a good student. If necessary, install telematics in your child’s vehicle to help monitor their driving habits.


The perception exists that men pay higher auto insurance rates than women. It is true that men usually pay a little more on premiums than women, but some states prohibit insurance providers from using gender as a factor to help calculate auto insurance rates. Gender, at times, is considered a factor because research shows that men are more likely to receive a speeding ticket, drive without a seatbelt, or drive under the influence.

Other Factors

Other factors besides age and gender that impact auto insurance rates:

  1. Credit score
  2. Residence
  3. Claims history
  4. Vehicle type
  5. Marital status

Consult With Advanced Insurance Group

You can ask about potential discounts that you may qualify for from our team here at Advanced Insurance Group. Contact us, and we will assist you.


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