Many insurers observed that the risk of accidents for female drivers drops significantly between the ages of 21 and 25, whereas for men, this drop usually doesn't occur until after age 25. Regional Regulatory Landscapes

Policies vary by state. While many states still allow gender-based pricing—with women paying roughly 6% less annually than men of the same age—states like California have explicitly banned the practice.

Statistically, women are involved in fewer high-speed, severe collisions.

Safe driving remains the most effective way to reduce premiums.