Do women pay less for car insurance?

Legally, sex should no longer be a determining criterion for insurance prices, for almost ten years. However, we note that women pay on average less for their auto insurance than men. How to explain it?

Discrimination prohibited since 2012

Some clichés die hard. For example that according to which the sex would still enter in the calculation of the auto insurance premiums. In reality, this practice has not been in use for nearly ten years. In a judgment of December 21, 2012, the Court of Justice of the European Union (CJEU) declared the use of gender in insurance pricing to be discriminatory.

“Taking into account the sex of the insured as a risk factor in insurance contracts constitutes discrimination”. (CJEU, March 2011)

Since then, insurers have therefore been prohibited from using this criterion to determine their auto rate schedules. At the time, the European Federation of Insurers (CEA) regretted this decision, on the grounds that it would precisely penalize… women, who until now paid less for their car insurance.

According to a study carried out by at the time, with an identical profile, a woman paid on average 12% less than a man. Since then, over the last ten years, this price advantage has been cancelled: all segments combined, women’s contributions have increased by 12% compared to those of men. They no longer benefit from their lower loss experience in the statistical calculation of their risk.

However, between 2012 and 2022, we note that, all profiles combined, the increase in car insurance premiums was 16%. Even if, proportionally, the contributions of female motorists increased over the period, they remain today on average lower than those of male motorists.


Do women always pay less?

Indeed, even if sex is no longer required to establish an auto insurance quote, it continues to weigh indirectly. Other criteria that overlap with the gender of the insured remain decisive in the calculation of contributions: the number of claims declared, the number of kilometers traveled, and the type of vehicle.

First of all, car policyholders declare fewer claims than men. Almost all of the women do not declare no permit incidents, while 5% of men have had at least one (cancelled or withdrawn license). In the same way, 80% of women have declared no claims over the past three years. This is three points less than men, who are 10% to declare between 2 and 5 claims in three years.

The number of claims reported can also be linked to the number of kilometers travelled: the higher the number per year, the greater the statistical risk of an accident occurring. Insurers therefore apply a higher rate to “big wheels”. But women are only 56% to drive more than 15,000 kilometers per yearfour points less than men.

Finally, consumption habits, linked to income inequalities between men and women, also have an impact on the amount of insurance. Male policyholders drive fewer city cars on average than women, and more expensive vehicles to buy (SUVs, 4X4s, sports cars, powerful cars, etc.) which are more expensive to repair, and therefore to insure.

Top 20 most insured car models

Rank Women Men
1 206 Clio
2 Clio 308
3 208 206
4 Clio IV 207
5 Clio III 307
6 207 Clio IV
7 308 Clio III
8 C3 208
9 Fiat 500 3008
10 fiesta fiesta
11 307 Golf VII
12 Sandero Megane III
13 Mini Sandero
14 Corsa Corsa
15 Twingo Megane II
16 Cpature C3
17 Polo V C4 Picasso
18 3008 Class A
19 Twingo II Duster
20 C3 II Class C

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