Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney. Full Bio → Written by Mathew B. Sims

Editor-in-Chief Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis... Full Bio → Reviewed by Daniel Walker

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Things to Remember... Statistically speaking, more male drivers under the age of 25 are involved in auto accidents than women. This is the leading force behind the increase in auto insurance rates

Auto accidents double for men, when you look at men ages 25 and under and women ages 25 and under

DUI statistics also show that men in this age range are more likely to drink and drive, and those who do are more likely to be involved in fatal crashes

The biased prices in premiums end once the age of 26 is reached. At this point, men and women are on an equal level

Like it or not, men pay more on the average for auto insurance than women do. The main reason for this is the statistics that surround male drivers.

Statistically speaking, more male drivers under the age of 25 are involved in auto accidents than women. This is the leading force behind the increase in auto insurance rates.

Whether you identify as a woman or as a man, find the lowest rates for you! Use our FREE online tool above to get started!

What statistics cause insurance for men to be higher?

The statistics for male vs. female drivers are often contested because some people say that there are more male than female drivers which make the statistics higher.

Regardless of this controversy, the insurance industry uses these statistics to set their auto insurance premium amounts for young male and female drivers.

Auto accidents double for men, when you look at men ages 25 and under and women ages 25 and under. This is due to the facts that young male drivers:

Tend to drive faster and are less likely to wear seat belts

Are more likely to participate in reckless activities than women in the same age range

Are also more likely to drive too many passengers

DUI statistics also show that men in this age range are more likely to drink and drive, and those who do are more likely to be involved in fatal crashes. Drunk driving accidents are the number one cause of teenage deaths, but the statistics double for men.

Surprisingly, although men in this age category lead the way for moving violations, women in this age category lead the way for parking violations, but those are not considered high-risk violations in the insurance industry.

Moving violation statistics are male-led.

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How can insurance premiums for men 25 and under be reduced?

The biased prices in premiums end once the age of 26 is reached. At this point, men and women are on an equal level. But until that time, there are some things that you can do to help lower the monthly premium rate for a male age 16-25.

The first thing is to choose a vehicle wisely. Red vehicles, sports utility vehicles, and specialty vehicles cost more to insure no matter what age. But when a young male drives one of these types of cars, premium rates skyrocket.

Another way to reduce monthly premiums is to take a driver’s education course. Most teen drivers can take this type of course at their high school while others can find a course offered through the local sheriff’s office or community center.

Even if you have to pay for a class it is worth receiving the discount.

Being a good student will also get you a reduced rate on auto insurance. This is typically for students in high school who maintain a B average, but each insurance company is different.

Sometimes student discounts also apply to those who are in college as well. Check with your company about the specifics of this auto insurance discount.

All these ideas work, but the best way to reduce auto insurance rates is to be a responsible driver. Any moving violation you receive will increase your rates and in some cases cause the insurance company to drop you. This is especially true for young male drivers.

Another way to find a cheaper premium is to make sure that all of your policies are with one insurance carrier. Homeowner’s policies, multiple car policies, and in some cases even life insurance policies can all be purchased with the same company.

What is the best way to find an auto insurance policy?

The best way to find auto insurance is to compare policies online. This saves you time. Calling around to several companies can be time-consuming. And as they say, time is money.

Comparing rates online will allow you to receive several quotes you can compare. Once you compare rates, you can choose the policy that is best for you and your family.

Remember when comparing rates that the cheapest auto insurance rate is not always the best rate. If you pay a cheap price but don’t’ have the coverage you need, you will end up paying out of pocket when something happens to your vehicle.

Get started now. You can compare auto insurance quotes right now by entering your zip code in our FREE tool below!