Women get cheaper car insurance
Studies on motor insurance pricing consistently identify gender as a significant rating variable used to determine premium costs.
The provided literature discusses how gender is utilized as an actuarial variable in automobile insurance pricing models and regulatory frameworks, supporting the premise that insurance rates differ by gender (though the exact direction or outcome depends on jurisdiction and risk profiling).
Lars Powell. Risk-based pricing of property and liability insurance. 2020. https://doi.org/10.52227/22106.2020
Discusses proposals and laws that restrict insurers from using gender as a rating variable, implying that gender has traditionally been used to price insurance differently.
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Mulah Moriah, Franck Vermet, Arthur Charpentier. Measuring and mitigating biases in motor insurance pricing. 2023. https://doi.org/10.1007/s13385-024-00390-8
Notes that regulations mandate equitable premiums considering factors such as policyholder gender, demonstrating that gender is a factor in pricing strategies.
Lynda Ait Bachir, Oumelkheir Elbaroud, Fatma Bouderra. Dynamic Pricing Models for Automobile Insurance. 2025. https://doi.org/10.61093/fmir.9(1).162-194.2025
Finds that accident frequency and premium pricing are significantly influenced by demographic factors such as gender.
Mohamed Yasser Bounnite. A Study on the Current Bonus–Malus System in the Moroccan Automobile Insurance Market. 2024. https://doi.org/10.1515/apjri-2023-0022
Identifies gender as a crucial factor in the auto insurance rating system.
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