why do guys have lower insurance that women?

Question

oops, I meant guys have higher rates

Answer 1

If we're talking about health insurance, it is happening. In CT, recently all carriers have gone to gender-based rating. This has caused a significant disparity in the rates for single males and single females below 35. Many of my young male clients don't even know what doctor they should be using, indicating that they rarely go to the doctor. The opposite is true for yound female insureds. They are more conscientious about their health and use their insurance on a regular basis. Add in the fact that, as a class, there is a chance of pregnancy, which is the single largest claim for any female under 40.

It may not sound fair, and discriminatory, but the insurance companies had to get Department of Insurance approval before this change could be implemented.

Answer 2

We're All Equal!! If Dudes Insurance Was Lower, And Chicks Insurance Was Higher, That Would Be Like Racism.

Answer 3

Since when?

In auto and life insurance, all things being equal, women usually have lower rates.

Answer 4

If you are talking about car insurance, guys usually have to pay a higher premium because of gender stigmas. Guys at 16 and 17 years old tend to be more reckless and thrill seeking than women at the same age.

Answer 5

For car insurance, men have higher insurance rates than women.

Answer 6

if your question has to do with health insurance, then womens rates are higher. this stems from us having more "conditions or services". women go for annual exams plus a routine physical. the cost for pregnancy is expensive vs a male who has just 1 routine visit in 1 year and no chance of pregnancy.

Answer 7

What KIND of insurance? In general, in states that permit different rates based on gender (because not all of them do), men's auto insurance costs more (because they have more accidents) and so does men's life insurance (because they die sooner).

So .. . I think your premise is wrong, or you need to further clarify it.

Answer 8

No, in life insurance, health insurance and car insurange, men's rates are usually higher.

Answer 9

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RE :Why do guys have lower insurance that women?
Update: oops, I meant guys have higher rates
Follow 10 answers

Answer 10

For medical insurance, I believe it comes down to the fact that there are more possible complications as a result of pregnancy and the female reproductive system.