young man standing next to volkswagon beetle with door open

April 11, 2021

Why young men pay more for car insurance, and what they can do about it

4 min read


For as long as there has been car insurance, men have paid higher premiums than women. This is not unfair discrimination. It’s based on hard facts. They also make more claims and more expensive claims.

The discrepancy is largest among young drivers, under 25. To keep premiums as low as possible, young male drivers should take driver training, and avoid even minor tickets. Telematics is also an excellent way to prove you’re a safe driver, while saving as much as 25%. Why do men – especially young men – pay more for auto insurance? Well, the simple answer is that statistically speaking, they’re worse drivers than women. Auto insurance companies keep reams and reams of data on their customers, all the claims they make, how much the claims cost, and who is at fault for each accident. And this data keeps playing out more or less the same story. A young male customer is much more likely to have a major accident and cost the insurer tens of thousands of dollars in costs for car repairs, possible lawsuits, but mostly for injuries.

How much more do men pay?

Insurance prices are calculated using dozens of different variables, so it’s impossible to say “men pay x percent more than women.” To give you a rough idea, here are a few prices we pulled from our online auto insurance quote system. Although these don’t represent premiums actually being paid right now, they are live quotes that could turn into real policies if the sample drivers we used were real people with the same address, age, vehicle, driving history etc.

18 years old (under parents’ policy)$1,035$496
18 years old (standalone policy)$6,576$5,099
20 years old$4,644$4,071
22 years old$3,384$2,929
25 years old$2,484$2,448
35 years old$1,930$1,943
45 years old$1,348$1,348
55 years old$1,229$1,229

As you can see, men pay significantly more as brand new, young drivers, but by the time they turn 25, assuming that they’ve been insured the whole time, the discrepancy in price between genders is basically gone.

But why the difference?

Here’s all the data that insurers consider when setting premiums:

  • How much do men drive vs. women?
  • How risky is the driving behaviour of men vs. women?
    • Who causes more accidents?
    • How much do those accidents cost in claims?
    • Who gets more traffic violations?
  • What types of cars do men vs. women tend to choose? (Some cars are considered more risky than others.)

Overwhelmingly, the data supports charging young men more. We don’t have access to the detailed data used by the insurance companies, but they have to share it with the provincial auto insurance regulator every time they apply for a rate change. In terms of publicly available data though, here are a few things to consider:

  • In 2013, 69% of traffic fatalities in Canada were men. This proportion has stayed fairly steady over the years. In 2010 it was 70%.
  • The average male drives 26,634 km a year, while the average female drives 16,321 km. (U.S. data from FHWA)
  • In 2015, 80% of drivers charged with impaired driving were male, though that percentage has been dropping. (From StatsCan)
  • 1 in 13 men admit to having driven while impaired, compared to 1 in 100 women. (From StatsCan)

Do some insurance companies have better rates for young males?

In 2023 we created 14 fictional driver profiles, seven men and seven women, all 25 or younger, and ran quotes for them using the same coverages, policy limits, deductibles and discounts, to get a sense for which insurance company might be best for young drivers.

Key findings:

  • Aviva had the best auto insurance rates, on average, for young females drivers
  • Intact Insurance had the best average rates for young male drivers

Rankings based on rates are accurate at the time the quotes are run. History shows that some companies remain competitive over years in certain market segments, but exact rates often vary every few months and certainly over a year or more. The best way to know which companies offer the best rate on auto insurance for young males (or any other demographic) is, as always, to speak with your broker.

Gender pricing in other parts of the world

Gender-based insurance pricing has been controversial not just in Canada, but around the world. The European Union introduced laws in 2012 making it illegal to charge more for auto insurance on the basis of gender. This may change back in the UK once Brexit is all sorted out, but for now, insurers cannot use gender as a rating factor. Male drivers with clean records who consider themselves just as safe as any female driver say it’s unfair to paint half the population with the same brush. But the fairness debate cuts both ways. Ultimately, insurance companies are going to structure their pricing such that they recover the cost of claims, plus a reasonable profit margin. Overall, if they are forced to charge men less than what their claims costs would indicate, then they have no choice but to charge women more than their claims costs would indicate. In the UK, when gender pricing was banned, the average woman’s annual premium increased by around £300 ($520 CDN). Some would say that’s not fair to women.

So what should young men do to pay less?

By the time you turn 25 or so, the gender price difference disappears, so the real question becomes, “What can young male drivers do to control their auto insurance premiums?” There’s quite lot they can do actually:

  1. Get insured – Start building an insurance record as soon as possible, by getting onto a parent’s or other adult’s policy as an occasional driver. In terms of insurance experience, every year you’re insured counts the same, and this is the most affordable way to build up those years of experience.
  2. Take a course – Taking a course from an approved driving school won’t save you huge dollars, but it’s well worth it in terms of developing good driving habits early on.
  3. Drive a safer vehicle – Stay away from the fast and furious types. But also, some cars that might not seem like crash risks may cost more to insure because:
    • They don’t seem to protect the passengers as well in an accident; or
    • They’re a popular target for thieves

    To be certain, when shopping for a vehicle, call for quotes on different cars you’re considering.

  4. Track and save – Opt into a telematics or UBI program to allow the insurance company to monitor your driving, either with a device you install in your car, or an app you download to your phone. Most insurers now offer this option, and it can lead to a 10-25% discount if you drive safely.
  5. Don’t be a lead foot – If you sign up for telematics, everything you do behind the wheel matters. Obey the speed limit, of course, but also be sure to accelerate and brake gradually. Imagine a butler in the back seat with a tray full of champagne glasses that can’t be spilt. Also, if your work or school allows it, avoid driving during peak traffic hours.
  6. Don’t crash (and don’t get tickets) – Sometimes it’s the simple things that count.

All of these steps should be easy to do – and they will lower your bill and keep you, and others, safer on the road. No matter your age or gender, get a no-obligation car insurance quote online from the insurance experts at Mitch Insurance Brokers, or contact us at 1-800-731-2228 or We’d be happy to help you save money.

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