How is it legal for car insurance companies to be sexist?

November 8, 2017 · Posted in FAQ 
car insurance
Sean asked:

So I know that the car insurance companies prices are “based on statistics” that show men get into more accidents than women, but… If it was statistically proven that for example, African Americans got into more accidents than Caucasians, would they be able to charge the African Americans more?

If they can be sexist, can they be racist?

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5 Responses to “How is it legal for car insurance companies to be sexist?”

  1. Chris C on May 20th, 2010 11:23 am

    Welcome to the world of double-standards

  2. emiller1998 on May 23rd, 2010 4:18 pm

    Its not sexism or racism. Its based on facts.

    In the case of insurance its a fact that males wreck more cars. They are typically more aggressive drivers. Same goes for higher rates for teens and old people because they really do wreck more cars.

  3. mustanger on May 25th, 2010 2:00 am

    As Mark Twain once said there are three kinds of lies. Lies, damned lies and statistics. And there are no laws to keep them from using statistics, which can be slanted most anyway the people gathering them wants.

  4. ken k on May 28th, 2010 3:17 am

    they call them the way they see it/they are right/if your car is in newark nj the cost is higher for comp because of the hi theft rate/no matter where the 17-26 year old males are the worst/you see them here on this site/(do you think i can get away with??) and they are driving 3 months/so they profile and they wont take the bet//thats what it is/you put up so much and they bet you wont do it/smash /lite on fire/have it stolen etc

  5. Scott H on May 30th, 2010 6:45 am

    If the insurance companies charged higher premiums for young male drivers because “girl drivers are prettier”, then that would be gender discrimination. But since the insurance industry has decades of actual statistics that prove young male drivers are involved in more collisions than young female drivers, it isn’t sexist. It’s based on fact. Nobody is forcing you to drive and purchase insurance coverage. If you don’t like the rules, stay out of the game.

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