Does Gender Affect Car Insurance?

No, gender is not a factor that affects car insurance rates in Canada. Insurance companies in Canada are prohibited from using gender as a rating factor when determining car insurance premiums. This is in line with Canadian laws that prohibit discrimination on the basis of gender.

Is Car Insurance Higher For Males or Females?

In Ontario, gender is not a factor that insurance companies can use to determine car insurance rates. Car insurance rates are based on a variety of factors, including the type of vehicle, driving record, location, age, and claims history, among others. It’s important to shop around for car insurance and compare quotes from multiple providers to find the best coverage and rate for your individual circumstances.

Male Car Insurance Rates Canada

It’s difficult to give exact numbers as car insurance premiums can vary based on many factors including the driver’s driving history, type of vehicle, and more. However, I can provide some general estimates for car insurance rates for a 30-year-old male with a clean driving record and a 2019 Toyota Corolla, broken down by province and city.

Please keep in mind that these estimates are for informational purposes only and actual premiums may vary based on individual circumstances.

Ontario:

• Toronto: Annual premium of around $1,800-$2,400, or around $150-$200 per month
• Ottawa: Annual premium of around $1,400-$1,800, or around $117-$150 per month
• London: Annual premium of around $1,500-$1,800, or around $125-$150 per month
• Windsor: Annual premium of around $1,300-$1,600, or around $108-$133 per month
• Thunder Bay: Annual premium of around $1,200-$1,500, or around $100-$125 per month

Quebec:

• Montreal: Annual premium of around $1,200-$1,500, or around $100-$125 per month
• Quebec City: Annual premium of around $1,000-$1,300, or around $83-$108 per month
• Sherbrooke: Annual premium of around $1,000-$1,200, or around $83-$100 per month
• Trois-Rivieres: Annual premium of around $900-$1,100, or around $75-$92 per month
• Saguenay: Annual premium of around $900-$1,100, or around $75-$92 per month

British Columbia:

• Vancouver: Annual premium of around $1,800-$2,400, or around $150-$200 per month
• Victoria: Annual premium of around $1,500-$1,800, or around $125-$150 per month
• Kelowna: Annual premium of around $1,400-$1,700, or around $117-$142 per month
• Abbotsford: Annual premium of around $1,300-$1,600, or around $108-$133 per month
• Kamloops: Annual premium of around $1,200-$1,500, or around $100-$125 per month

Alberta:

• Calgary: Annual premium of around $1,600-$2,000, or around $133-$167 per month
• Edmonton: Annual premium of around $1,400-$1,800, or around $117-$150 per month
• Red Deer: Annual premium of around $1,200-$1,500, or around $100-$125 per month
• Lethbridge: Annual premium of around $1,100-$1,400, or around $92-$117 per month
• Medicine Hat: Annual premium of around $1,000-$1,300, or around $83-$108 per month

Saskatchewan:

• Regina: Annual premium of around $1,200-$1,500, or around $100-$125 per month
• Saskatoon: Annual premium of around $1,200-$1,500, or around $100-$125 per month
• Prince Albert: Annual premium of around $1,100-$1,400, or around $92-$117 per month
• Moose Jaw: Annual premium of around $1,000-$1,300, or around $83-$108 per month
• Swift Current: Annual premium of around $1,000-$1,300, or around $83-$108 per month

Female Car Insurance Rates Canada

Similar to my previous answer, it’s difficult to give exact numbers as car insurance premiums can vary based on many factors, but here are some general estimates for car insurance rates for a 30-year-old female with a clean driving record and a 2019 Toyota Corolla, broken down by province and city.

Please keep in mind that these estimates are for informational purposes only and actual premiums may vary based on individual circumstances.

Ontario:

• Toronto: Annual premium of around $1,600-$2,200, or around $133-$183 per month
• Ottawa: Annual premium of around $1,300-$1,700, or around $108-$142 per month
• London: Annual premium of around $1,400-$1,600, or around $117-$133 per month
• Windsor: Annual premium of around $1,200-$1,500, or around $100-$125 per month
• Thunder Bay: Annual premium of around $1,100-$1,400, or around $92-$117 per month

Quebec:

• Montreal: Annual premium of around $1,100-$1,400, or around $92-$117 per month
• Quebec City: Annual premium of around $900-$1,200, or around $75-$100 per month
• Sherbrooke: Annual premium of around $900-$1,100, or around $75-$92 per month
• Trois-Rivieres: Annual premium of around $800-$1,000, or around $67-$83 per month
• Saguenay: Annual premium of around $800-$1,000, or around $67-$83 per month

British Columbia:

• Vancouver: Annual premium of around $1,500-$2,000, or around $125-$167 per month
• Victoria: Annual premium of around $1,300-$1,600, or around $108-$133 per month
• Kelowna: Annual premium of around $1,200-$1,500, or around $100-$125 per month
• Abbotsford: Annual premium of around $1,100-$1,400, or around $92-$117 per month
• Kamloops: Annual premium of around $1,000-$1,300, or around $83-$108 per month

Alberta:

• Calgary: Annual premium of around $1,400-$1,800, or around $117-$150 per month
• Edmonton: Annual premium of around $1,200-$1,500, or around $100-$125 per month
• Red Deer: Annual premium of around $1,100-$1,400, or around $92-$117 per month
• Lethbridge: Annual premium of around $1,000-$1,300, or around $83-$108 per month
• Medicine Hat: Annual premium of around $900-$1,100, or around $75-$92 per month

Saskatchewan:

• Regina: Annual premium of around $1,100-$1,400, or around $92-$117 per month
• Saskatoon: Annual premium of around $1,100-$1,400, or around $92-$117 per month
• Prince Albert: Annual premium of around $1,000-$1,300, or around $83-$108 per month
• Moose Jaw: Annual premium of around $900-$1,200, or around $75-$100 per month
• Swift Current: Annual premium of around $900-$1,200, or around $75-$100 per month

Why Is Car Insurance Higher For Males?

Car insurance rates for males and females used to be different in some countries in the past, but it is becoming increasingly uncommon. The reason for this difference was that statistics showed that males, especially younger males, are involved in more accidents and have more traffic violations than females. This made them a higher risk for insurance companies, and therefore, their insurance rates were higher.

However, it’s important to note that not all insurance companies use gender as a factor in determining car insurance rates, and even if they do, the difference in rates is generally small. In many jurisdictions, it is now illegal to use gender as a factor in determining car insurance rates.

Statistics Pertaining to Age and Gender

Many insurance providers utilize statistical data obtained to determine risk factors pertaining to gender and age. The following is some of the 2020s statistical data pertaining to rate comparisons between men and women. 

Downtown Montreal

• Males between the ages of 17 and 19 on average pay 16% more annually than females do
• Males between the ages of 20 and 24 on average pay 14% more annually than females do
• Males between the ages of 25 and 30 on average pay 19% more annually than females do
• Males between the ages of 31 and 40 on average pay 14% more annually than females do
• Males between the ages of 40 and 50 on average pay 11% more annually than females do
• Males between the ages of 50 and 60 on average pay 11% more annually than females do

Downtown Toronto

• Males between the ages of 17 and 19 on average pay 27% more annually than females do
• Males between the ages of 20 and 24 on average pay 11% more annually than females do
• Males between the ages of 25 and 30 on average pay 3% more annually than females do
• Males between the ages of 31 and 40 on average pay 5% more annually than females do
• Males and females after age 40 typically pay the same insurance rates

Downtown Calgary

• Males between the ages of 17 and 19 on average pay 12% more annually than females do 
• Males between the ages of 20 and 24 on average pay 2% more annually than females do
• Males between the ages of 25 and 30 on average pay 2% more annually than females do
• Males between the ages of 31 and 40 on average pay 3% more annually than females do
• Males between the ages of 41 and 50 on average pay 5% more annually than females do
• Males between the ages of 51 and 60 on average pay 4% more annually than females do

So you can see not only do age and gender factors are used in rate determination, but the geographic location also comes into play. 

Across Canada, women pay about 5-15 percent less than men. In 2020, women paid an average of $141 per month, across the country, compared with $163 per month for men. The disparity was smaller in Ontario, but overall average premiums were much higher. Women paid $166 per month while men paid $171. While the dollar value remained about the same, the percentage difference was just 3 percent.

The accident death rate for men has been almost three times that of women. Statistics Canada reported in 2004 that men experienced 13 motor vehicle deaths per 100,000 Canadians, while women accounted for only 5 deaths per 100,000.

There are factors that these results may not reveal. For example, if one were to examine cab drivers only, most statistics might show a male bias, given that male taxi drivers vastly outnumber female drivers. Similarly, men may take the wheel more often than women in shared vehicles. Statistics based on the number of incidents per 100 km driven might provide a more accurate reflection of comparative safety between genders. However, if these exist, they are difficult to locate.

Male vs Female Car Insurance FAQs

Q: Is it legal for auto insurance companies to charge different rates based on gender in Canada? A: No, it is not legal for auto insurance companies to charge different rates based on gender in Canada. Insurance companies are not allowed to discriminate based on gender, as mandated by the Canadian Human Rights Act.

Q: Do auto insurance rates differ between men and women in Canada? A: No, auto insurance rates cannot differ between men and women in Canada. Insurance companies must provide equal treatment to all customers regardless of gender.

Q: What factors are used to determine auto insurance rates in Canada? A: Many factors can be used to determine auto insurance rates in Canada, including age, driving record, location, type of vehicle, and more. Insurance companies typically use statistical models to calculate risk and set premiums based on the likelihood of an accident or claim.

Q: Why do auto insurance companies use statistical models to determine rates? A: Auto insurance companies use statistical models to determine rates because they need to accurately assess risk in order to price their products correctly. By using data and statistical models, they can better understand the likelihood of an accident or claim, and adjust rates accordingly.

Q: Can men or women get discounts on their auto insurance rates? A: Yes, both men and women can get discounts on their auto insurance rates. Insurance companies may offer discounts for things like good driving records, bundling policies, or installing safety features in your vehicle. Discounts can vary by company and by province.

Q: Are there any gender-related factors that can impact auto insurance rates in Canada? A: No, gender-related factors cannot impact auto insurance rates in Canada. However, other factors related to gender, such as age and driving record, can impact rates. For example, younger male drivers may pay higher rates than older female drivers due to statistical differences in accident rates.