Auto insurance rates for non binary kid

[Anonymous]

Are auto insurance rates for teens/new drivers different by gender, and does anybody know if a non binary driver insurance rate is in between what’s charged for men and women? I’m in Maryland (with State Farm)

[Anonymous]

This article says State Farm doesn't use gender in its ratings.

Some insurers no longer include gender as a rating factor. “State Farm is one of the biggest companies that does not use it,” DeLong said. “Shelter Insurance also does not seem to use gender as a rating factor; neither does Auto-Owners.”

https://www.investopedia.com/car-insurance-for-transgender-and-nonbinary-people-7548334

[Anonymous]

That’s great, thank you! I didn’t search for State Farm specifically, ooops.

[Anonymous]

Anonymous wrote:Are auto insurance rates for teens/new drivers different by gender, and does anybody know if a non binary driver insurance rate is in between what’s charged for men and women? I’m in Maryland (with State Farm)

You might get into legal trouble if you attempt to "defraud" an insurance agent that way. Just saying, watch out.

If you are looking for legal trouble and a court precedent for some sort of discrimination, then by all means try it out. I'm sure you could find an attorney willing to take on a case such as that.

[Anonymous]

Rates should be based on sex, not gender.

[Anonymous]

As much as we pay for our straight A responsible daughter, I can’t imagine a boy is any higher. It is A LOT.

[Anonymous]

Anonymous wrote:As much as we pay for our straight A responsible daughter, I can’t imagine a boy is any higher. It is A LOT.

In many parts of the country car insurance for teen boys is much, much higher.

[Anonymous]

Anonymous wrote:This article says State Farm doesn't use gender in its ratings.

Some insurers no longer include gender as a rating factor. “State Farm is one of the biggest companies that does not use it,” DeLong said. “Shelter Insurance also does not seem to use gender as a rating factor; neither does Auto-Owners.”

https://www.investopedia.com/car-insurance-for-transgender-and-nonbinary-people-7548334

Different poster here - interesting. I added my son to State Farm 2 years ago and couldn't remember their asking for his gender. Of course I have always heard boys/men pay more. We are paying through the teeth for him, but apparently it's not because he's a boy.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Are auto insurance rates for teens/new drivers different by gender, and does anybody know if a non binary driver insurance rate is in between what’s charged for men and women? I’m in Maryland (with State Farm)

You might get into legal trouble if you attempt to "defraud" an insurance agent that way. Just saying, watch out.

If you are looking for legal trouble and a court precedent for some sort of discrimination, then by all means try it out. I'm sure you could find an attorney willing to take on a case such as that.

My kid’s gender is marked differently on MD license and U.S. passport because passport doesn’t allow for nonbinary. I guess I don’t really see the problem with specifying either given that it’s already mismatched.

[Anonymous]

Anonymous wrote:

Anonymous wrote:As much as we pay for our straight A responsible daughter, I can’t imagine a boy is any higher. It is A LOT.

In many parts of the country car insurance for teen boys is much, much higher.

Where? We live in flyover country. It’s the same for teen boys as it is for teen girls. And it’s all high.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:As much as we pay for our straight A responsible daughter, I can’t imagine a boy is any higher. It is A LOT.

In many parts of the country car insurance for teen boys is much, much higher.

Where? We live in flyover country. It’s the same for teen boys as it is for teen girls. And it’s all high.

We have USDA and she doesn't drive she listed as secondary drivers issuance and its around $200, try getting a good student discount.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:As much as we pay for our straight A responsible daughter, I can’t imagine a boy is any higher. It is A LOT.

In many parts of the country car insurance for teen boys is much, much higher.

Where? We live in flyover country. It’s the same for teen boys as it is for teen girls. And it’s all high.

We have USDA and she doesn't drive she listed as secondary drivers issuance and it’s around $200, try getting a good student discount.

USAA? I’m not sure what that tells us. Different insurance companies have different rates Would it be higher if the exact same fact pattern existed for a boy?

[Anonymous]

Anonymous wrote:As much as we pay for our straight A responsible daughter, I can’t imagine a boy is any higher. It is A LOT.

It’s much higher because statistically boys are more aggressive and more willing to take risks which results in more accidents and more insurance payouts.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Are auto insurance rates for teens/new drivers different by gender, and does anybody know if a non binary driver insurance rate is in between what’s charged for men and women? I’m in Maryland (with State Farm)

You might get into legal trouble if you attempt to "defraud" an insurance agent that way. Just saying, watch out.

If you are looking for legal trouble and a court precedent for some sort of discrimination, then by all means try it out. I'm sure you could find an attorney willing to take on a case such as that.

My kid’s gender is marked differently on MD license and U.S. passport because passport doesn’t allow for nonbinary. I guess I don’t really see the problem with specifying either given that it’s already mismatched.

The problem comes when the child gets into an accident and the other insurance company/person sues them/your insurance company. If your insurance company can find a way not to pay, they will find it. And one way to not pay is to prove that the sex/gender under which the child was insured does not match their documents.

[Anonymous]

I wouldn’t want them having an excuse to say the policy was invalid so they aren’t going to pay.