Do non-binary people get lower car insurance?


Editorial team Published on

Non-binary drivers are sometimes quoted lower car insurance rates by certain international insurers, but in the United States, there is no widespread or guaranteed discount.

How Non-Binary Pricing Works

  • International Examples: In countries like Australia, specific insurers (such as NRMA Insurance) introduced non-binary gender markers on quoting forms. Tests by media outlets revealed that these non-binary quotes occasionally came out lower than equivalent male or female rates, sparking public debate over pricing structures and application loopholes.
  • United States Policies: In the U.S., data is insufficient to conclude whether non-binary drivers systematically pay more or less than cisgender drivers. Some U.S. insurers offer a non-binary gender option or default to gender-neutral/license-matched pricing, but it does not equate to a standard or universal discount.

State Regulations and Rating Factors

  • Gender-Ban States: Several U.S. states (including California, Michigan, Massachusetts, and a few others) completely prohibit gender-based pricing for auto insurance. In these states, a driver's gender—binary or non-binary—cannot legally affect the premium.
  • Other States: Where gender is still legally factored into underwriting, rates typically depend on actuarial risk assessments.
  • Primary Cost Drivers: Regardless of gender options, a person's premium is primarily determined by major risk factors like driving record, claims history, age, vehicle make and model, and location.

Important Considerations

  • Accuracy Requirements: Insurance companies require legal information that matches official state documents, such as a driver's license. Falsely selecting a gender option that does not match official records can result in a voided policy or insurance fraud charges.