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Why do women have cheaper auto insurance rates than men? What is causing this?
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>>28650519
evil feminism
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Women have scratches on their bumpers, Men have deadly accidents.
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>>28650519
>there are "male" anons on this board that can't do this, let alone drive stick
Shamefur dispray
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>>28650519
What's this, Impact Brown?
>>
For the same reason women have much higher disability insurance than men.
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>>28650534
Men have crashes women have oopsies.
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>>28650544
Because dudes are much less prone to applying for disability than women.
A man lost a leg in an accident? Would rather just go fuck it and walk it off than apply for disability.
Someone said mean things to someone else online? Bitch is already applying for disability claiming ptsd.
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>>28650519
Some retarded study an Insurance company did in the 1950s back when women were actually risk averse and not retarded
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>>28650519
mmm hijab booba
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>>28650519
>women have cheaper auto insurance rates than men
This is true
Now that i am out as a girl (male,) my insurance has almost halved
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>>28650567
It's because men get in more serious accidents that will likely total their car. Women will bump into the car in front and behind them to parallel park, but they won't weave through traffic going 40 over
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Women on average have constant but minor accidents that have little to no insurance payout. Men have occasional bit catastrophic losses that require total losses.
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>>28650519
In addition to what other anons have said, it used to be the case that women were expected to stay at home and men were expected to commute to work, thus women drove less miles on average than men their same age and drove slightly less flashy cars.
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>>28650558
Men have cheaper health insurance than women at least. Men don't go to the doctor, many men depend on the women in their lives to plan doctor visits for them.
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>>28650582
black people are more likely to rob convenience stores than white people so, why don't we pat down every black person before they enter a store?
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>>28650652
There is a massive difference in the chance that a black person robs you vs the proportion of men who commit serious accidents. Men account for 94% of accidents causing death or severe bodily harm, and account for 97% of dangerous driving offences
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>>28650652
Seems reasonable. Anything for more safety right?
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>>28650652
You say that like I would be opposed to it.
Fuck niggers.
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>>28650519
heh
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Why are men more prone to road rage?
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>>28650738
Testostobone muhfugga, you need some
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>>28650534
> Women have scratches on their bumpers
And the only reason this is the case is because seating position and car dimensions are for man-sized people
women are shorter and dont have as much of a view around their car
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>>28650722
Kek, she's wearing a silly hat on top of her silly head scarf...
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>>28650777
Why do they insist on buying truggs and suvs then?
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>>28650519
They drive less than men.
>>28650534
>>28650554
>>28650582
Lies.

Women cause more accidents than men per mile driven. People try to play this off and say, "oh women get into fender benders, men get into huge accidents!" This is a lie spread by women, there are no stats to corroborate it, and plenty to refute it.

DOT Federal Highway Administration, as of May 31st, 2022, men drive an average of 16,550 miles per year, whereas for women the average is 10,142 miles.
The University of Michigan Transportation Research Institute says there are 104.3 million men in the US with a drivers license, compared to 105.7 million women. More recent stats put those numbers closer to 115 million men and 117 million women.

> The National Highway Traffic Safety Administration reports that men cause on average 6.1 million accidents annually compared to the 4.4 million caused by women annually
So men cause 1 accident for every 312,000 miles driven on average, and at current rates a male driver would be expected to cause an accident once for every 18.85 years of driving.
Women cause 1 accident for every 269,700 miles driven on average, and at current rates a female driver would be expected to cause an accident once for every 26.59 years of driving.

If women in the United States drove as much as men, and the accident rate were maintained, then female drivers would be expected to cause an accident once for every 16.29 years of driving, bringing that 4.4 million annual accidents caused by women to over 7.18 million.
If men and women drove equally, and the NHTSA's 10.5 million at-fault accidents per year were maintained, women would cause roughly 5.8 million of those accidents, whereas men would cause around 4.7 million.
The distribution of severity, split by lethal versus non-lethal accidents, doesn't change with age group or gender. Mile for mile women of any age kill more people on the road than men of any age, but they drive so much less that they're less of a risk overall.
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>>28650817
These stats have been destroyed in the past 5 years by the popularization of ride-sharing and other factors affecting the collection of gender-related statistics.
>>28650519
Women don't actually pay less on average than men for insurance anymore. That was true at one time, but it actually reversed as women started driving more in the early 2000s and eventually reached a point where women pay more on average. If you go purely on statistics this makes sense, because women consistently cause more accidents than men. However, like the health insurance industry before them, the auto insurance industry has caught a lot of flack for "discriminating" by gender (using statistics to do their job is SEXIST!) and has generally moved away from it, instead just bumping up and evening out rates across the board.

So, to be clear, women are worse drivers, cause more accidents mile-for-mile, kill more people mile-for-mile, and now their insurance is subsidized by the men who are better drivers because it was "sexist" to make them pay for their own incompetence.
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>>28650652
Just pass laws creating separate but equal safe spaces for black and trans folk.
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>>28650652
The equivalent would be more like making black people pay more
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>>28650519
male and female insurance are roughly the same here in Ontario, even for youth. excepting married men, that is, who have it cheaper. insurance is a scam anyway, I was paying 38$/mo full coverage for a C4 when I was 20 yet pay over 200 now for my lexus a decade later. Clean record, it’s just that the C4 was and is driven by geriatrics, which outweighed me being a 20yo. I should genuinely just daily drive my MG at this rate
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why is her clutch where the accelerator should be
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>>28650537
I would've tried if I had a rwd manual. I'm living the Honda manual life.
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>>28650519
>Why do women have cheaper auto insurance rates than men?

A small number of men who are speeding, street racing and constantly totaling their cars.

Women have higher accident rates; but their accidents tend to be of the more minor, texted while driving and rear ended someone at 35 MPH variety as opposed to the jumped the curb at 110 MPH and crashed my Camaro into a nursing home variety.
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>>28651855
This is a lie with no basis in reality and strongly refuted by real stats.



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