Auto insurance rates for non binary kid

[Anonymous]

Anonymous wrote:

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.

They always ask. I added my kid last week and gender is definitely a question. Geico has a non binary option. No clue the difference in rates.

[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 its around $200, try getting a good student discount.

The good student discount is worth much with any of the major insurers.

[Anonymous]

Ack meant “isn’t much”

[Anonymous]

Anonymous wrote:

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 its around $200, try getting a good student discount.

The good student discount is worth much with any of the major insurers.

Agree. It’s like $20 with Geico.

[Anonymous]

Anonymous wrote:

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.

So what is your suggestion? Change MD license to match passport?

[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.

What sex is your child? It’s on their birth certificate. THAT is what you should select on the pull-down menu when buying auto insurance.

Assuming your concern is coverage by your auto insurance in the event of an accident. Yes? Going with the insured’s sex would present the most airtight, non fraudulent case for payout.

You do not want to find out the hard way that your not covered by liability insurance when your kid causes $3 million in damages in a multi-car accident with fatalities— because you were overly concerned about misgendering and inclusivity that day you picked an insurance policy

[Anonymous]

And girls and women lose out yet again. Way to go progressives! You’re really helping us out here.

[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 pay about 40% more for our 22-year-old son than our 20-year-old daughter--State Farm in DC.

[Anonymous]

Anonymous wrote:

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.

What sex is your child? It’s on their birth certificate. THAT is what you should select on the pull-down menu when buying auto insurance.

Assuming your concern is coverage by your auto insurance in the event of an accident. Yes? Going with the insured’s sex would present the most airtight, non fraudulent case for payout.

You do not want to find out the hard way that your not covered by liability insurance when your kid causes $3 million in damages in a multi-car accident with fatalities— because you were overly concerned about misgendering and inclusivity that day you picked an insurance policy

Many states have a nonbinary gender marker option on the the birth certificate.

[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.

I didn’t know that straight A students were low risk drivers.

[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 its around $200, try getting a good student discount.

We were told 1k every six months for a boy with good grades.

[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.

I didn’t know that straight A students were low risk drivers.

Really? Most insurance companies give a small discount if you submit their report card.

[Anonymous]

Anonymous wrote:And girls and women lose out yet again. Way to go progressives! You’re really helping us out here.

Fair is fair. Boys can be good drivers and girls can be bad drivers. Why should we pay more for boys! Tired of the boy hate.

[Anonymous]

Anonymous wrote:

Anonymous wrote:And girls and women lose out yet again. Way to go progressives! You’re really helping us out here.

Fair is fair. Boys can be good drivers and girls can be bad drivers. Why should we pay more for boys! Tired of the boy hate.

Let me guess, you are one of those people who says we should educate ourselves, right? Here you go.

The Centers for Disease Control and Prevention (CDC) has noted that male drivers, particularly those aged 16-19, are nearly three times more likely than female drivers of the same age to be in a fatal crash.

Compared with female teenagers, crashes of male teenagers were significantly more likely to involve BACs of 0.08% or more (21% vs. 12%), speeding (38% vs. 25%), reckless driving (17% vs. 14%), night driving (41% vs. 36%) and felony crashes (hit-and-run, homicide, or manslaughter) (8% vs. 6%) (all χ2 p<0.001).
https://pmc.ncbi.nlm.nih.gov/articles/PMC3503410/

[Anonymous]

And don't forget NHTSA:

As the [NHTSA] chart above shows, the fatal crash rate is highest for males aged 15–20...

https://www.chainlaw.com/what-age-group-causes-the-most-car-accidents/

So, sure no one should hate boys but perhaps they should pay more for insurance.