Women get cheaper car insurance

the verdict

SUPPORTED

the evidence backs this

Recorded sources

4 sources for · 0 against

Counts group repeated records of the same source within each side. They do not measure evidence strength or source independence.

Is it true that women get cheaper car insurance?

Yes. Studies on motor insurance pricing consistently identify gender as a significant rating variable used to determine premium costs.

Verdict: SUPPORTED · 4 sources for, 0 against · Last checked 31 Jul 2026

The analysis

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).

Evidence for · 4

Risk-based pricing of property and liability insurance

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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Powell, L. (2020). Risk-based pricing of property and liability insurance. doi.org. https://doi.org/10.52227/22106.2020

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More for · 3

Measuring and mitigating biases in motor insurance pricing

2023

Notes that regulations mandate equitable premiums considering factors such as policyholder gender, demonstrating that gender is a factor in pricing strategies.

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Moriah, M., Vermet, F., & Charpentier, A. (2023). Measuring and mitigating biases in motor insurance pricing. doi.org. https://doi.org/10.1007/s13385-024-00390-8

Dynamic Pricing Models for Automobile Insurance

2025

Finds that accident frequency and premium pricing are significantly influenced by demographic factors such as gender.

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Bachir, L. A., Elbaroud, O., & Bouderra, F. (2025). Dynamic Pricing Models for Automobile Insurance. doi.org. https://doi.org/10.61093/fmir.9(1).162-194.2025

A Study on the Current Bonus–Malus System in the Moroccan Automobile Insurance Market

2024

Identifies gender as a crucial factor in the auto insurance rating system.

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Bounnite, M. Y. (2024). A Study on the Current Bonus–Malus System in the Moroccan Automobile Insurance Market. doi.org. https://doi.org/10.1515/apjri-2023-0022

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What does the evidence say?

Receipt History

first checked31 Jul 2026

judged → SUPPORTED · 7931 Jul 2026

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