Gender
Men average more miles driven per year than women do, and have a proportionally higher accident involvement at all ages. This pushes up premiums and monthly payments on a no deposit car insurance policy. Insurance companies cite women’s lower accident involvement in keeping the youth surcharge lower for young women drivers than for their male counterparts, but adult rates are generally unisex. Reference to the lower insurance rate for young women as “the women’s discount” has caused confusion that was evident in news reports on a recently defeated EC proposal to make it illegal to consider gender in assessing insurance premiums. Ending the discount would have made no difference to car insurance with no deposit or to most women’s premiums.
