Why do car insurance systematically break the sex discrimination act?
Sunday, March 22nd, 2009 at
8:00 pm
Arianna B asked:
IF this was a case of pay or working conditions or job description, the womans lib and campaigners for EQUAL rights would be hopping mad, they would be marching down the street but NO, when it comes to being FAIR, they are not in the case of car insurance.
IF this was a case of pay or working conditions or job description, the womans lib and campaigners for EQUAL rights would be hopping mad, they would be marching down the street but NO, when it comes to being FAIR, they are not in the case of car insurance.
Tagged with: Campaigners • Car Insurance • Lib
Filed under: Car Insurance
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Technically, you are correct. However, the law allows insurance companies to base premiums on risks factors such as age, sex, driving record, etc.
Simple, it has nothing to do with gender equality, and everything to do with underwriting information that shows, statistically, young, single male drivers are the most likely to have an accident. Then comes all the rest of the young drivers. Not all young drivers are bad, not all young males are bad, but the actuarial tables show many years of experience with age groups, with gender, and the affect of marriage on young drivers as well.
the insurance companies rates are based on statistics (who has the most wrecks) it does not discriminate
Auto insurance premiums are based on the same system as life insurance. It’s called Actuation Tables. Females have fewer auto insurance claims than males up to the age of 25 so their premiums are less than males. Females also live longer than males, so their life insurance premiums are less.
It is not discrimination; Insurance rating is based on facts and statistics. Facts and statistics do not discriminate.
The laws, are about UNLAWFUL discrimination based on gender.
For what it’s worth, several states don’t allow gender to be part of rate calculations. As a result, women pay as much as men for life insurance in those states, even though women live longer.
The whole reason why there are different rates, IS discrimination. Discrimination between the guy with a clean driving record, and the guy with five DUI’s, and the 16 year old, and the 40 year old driver; and the guy with the Chevette, and the guy with the Corvette. Otherwise, we’d ALL be paying the exact same rate, no matter what!
For car insurance the easiest method to get a free quote is do a policy comparison. Be sure to choose the same coverage amounts, you can get an quick quote to compare against others. Use the same coverage area, auto make and model, mileage and driving history to make sure you get an apples to apples comparison. To get fast auto quotes, go to and you can compare all the major auto insurance companies.
It is a proven fact that men, young men especially, are less cautious drivers than women. They are an insurance liability.
Also, a good place to check is…
Best of luck to you.