It might be a man’s world, but in the world of insurance, women seem to have an additional benefit. According to a national survey conducted online by InsWeb, the median car insurance rate for women is about 9% lower than the rate for men. The national median rate for women is $698 for a six-month policy. For men, it's $765. In Kentucky, it’s $725 for women and $787 for men.

Who Pays Less For Car InsuranceThe answer for why women pay less on average for car insurance than men is as vast as the actual differences between the genders themselves. Based on an examination of male and female drivers who request insurance quotes online there were several noteworthy differences.

Driving Record

According to the National Association of Insurance Commissioners, women are less likely than men to get into a car accident, and men are 10 percent less likely to wear a seatbelt, which can mean higher medical expenses and in turn, a higher risk client.

Women are almost 50 percent less likely than men to have a DUI/DWI on their driving record and 10 percent less likely to have a moving violation. The National Highway Traffic Safety Administration has reported that in fatal accidents, speeding was more likely to be a factor for men (24 percent) than for women (15 percent).

Statistics have consistently reflected that male drivers overall take more driving risks in general than their female counterparts. So because insurance companies price policies, in part, by predicting risk, men typically rate higher than women.

Vehicle Choice

The choice of your vehicle is generally directly correlated to the price of your insurance. Women tend to own vehicles with an average list price that is over 8 percent lower than the vehicles owned by men ($22,815 vs. $24,861, respectively) and men tend to lean towards models that are sportier, and more expensive to insure. Insurers consider the safety ratings and claim history of every vehicle, so the safer the car has been historically, the less you can expect to pay to insure it.

Location

To determine median auto insurance rates across the country, InsWeb tracked multiple insurance carriers in each state to conclude the states with the largest differential in gender rates. Regardless of where you live, women tend to receive lower rates in insurance. The state with the biggest difference was Wyoming, where women receive an average rate of 20% lower than men. Second place was Washington D.C., followed by South Dakota. In Kentucky, the rate difference was 7.8%. Hawaii, Montana, and Iowa had the lowest rate differences, each lingering around one percent.

When it comes to scoring the best car insurance rates, there is no doubt that the battle of the sexes plays a role. However, an individual’s personal driving record and claims history will always play a much bigger role in determining rates than by your gender alone. This means that a safe-driving male can expect to pay less than an accident-prone female.