4





Gender:
Gender is a non-driving related factor that is used by many insurance companies to
underwrite their policies, be it health insurance or auto insurance. But if one insurer charged the
same for both genders, that company would lose all its female customers to companies that made





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a distinction in their pricing. We have statistical evidence that male drivers are more likely to get
into an accident than female drivers, and so the auto insurance rates for males should be higher
than females. Gender should be one of the core factors in calculating the premium based on our
analysis on fatal crash rates. To demonstrate the difference, we looked into the fatal crash rates
among male and female drivers from year 1994 – 2011. These crash rates are simply the number
of male drivers involved in an accident divided by number of total males licensed in a particular
year and likewise with the female fatal crash rates. The following table shows what we found:

Figure 5: Comparison of Male vs Female drivers’ crash rates between years 1995 – 2011 On average, male drivers have an accident rate about 0.0126% higher than female
drivers, i.e., about 12,354 more fatal crashes among the male car driving population than
females, each year. Our next graph looks into each age group of drivers and splits them between
male vs. female drivers. The following graph shows the difference in crash rates between males
0.0000% 0.0025% 0.0050% 0.0075% 0.0100% 0.0125% 0.0150% 0.0175% 0.0200% 0.0225% 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 Percentage Years Males Vs. Females Accident Rates Trend
Males Females
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and females.

Figure 6: Difference of crash rates of female drivers from male drivers The greatest difference between male and female drivers is among young and old drivers.
Young drivers (below 24 years of age) and old drivers (above 74 years of age) have the highest
fatal crash rate difference between male and female. As the population ages the differences get
smaller. One reason that young males have much higher fatal crash rates than young females is
alcohol-related impaired driving. Over 30 % of fatalities are due to alcohol-related car crashes.
One out of every three alcohol related crashes involved a young driver below the age of 24. On
average, among the male driver fatal car crashes, over 28% of crashes are alcohol-related with
BAC (Blood Alcohol Concentration) of over .01, while over 24% with BAC level of .08 and
above. This compares to female driver fatal car crashes, where over 15% of accidents were
alcohol-related with drivers BAC level of over .01 and around 13% of accidents with BAC level
of over .08.

Again to check on our results we compared the premium rates between males and
females. This chart shows premiums in Connecticut, where it is legal for companies to quote
auto insurance rates based on gender. Following is the graph of comparison of premiums
between male and female drivers.

Figure 1: Difference in premiums between male and female drivers in the state of Connecticut The premiums for male drives are about 14% higher than the premiums of female drivers
in the state of Connecticut for young drivers of 24 years of age and below and for 74 years of age
and above drivers. As noted earlier, Michigan, Montana, North Carolina, Massachusetts and
Pennsylvania don’t allow auto insurance rates to vary due to gender. Gender-based auto
insurance rates is a sensitive topic. While Europe has banned gender based discrimination in auto
insurance due to fundamental principles, it is difficult to imagine the United States adopting this
law. Female drivers would end up paying more than they should while male drivers would pay
less than they would.
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