Finding The Right Home Insurance

Age, Marital Status And Sex: How These Things Directly Impact Your Auto Insurance Premium

If you're new to auto insurance, you may not realize it, but there are a number of factors that go into determining how much you will pay for your policy. Three of these are related to how old you are, whether or not you are married, and whether you are male or female. Below is a brief explanation as to why and how these three factors affect your auto insurance premiums:


Insurance companies look to your age to determine how much experience you have as a driver behind the wheel. This is because insurance companies like McHugh Insurance are looking to see how much of an accident risk you are. What is the likelihood of you getting into an accident? The DMV says that drivers are essentially puts into one of three age groups:

  • New and Teen Drivers – This group of drivers consists of individuals who are below 25 years of age. If you fall in this group, you can expect to pay some of the highest premiums due to being inexperienced and having statistically higher rates for accidents and deaths. New and teenage drivers are at a higher risk of engaging in reckless driving, including speeding, tailgating and failing to buckle up.
  • Adults – This groups of drivers consists of individuals between 25 and 64 years of age. Once you enter into this age group, you will begin to see your premiums decrease, but only if you maintain a solid driving record.  
  • Seniors – This group of drivers consists of individuals who are 65 years of age and up. Although you will have a significant amount of driving experience under your belt, your premium will begin to increase again due to age-related health problems, such as poor cognitive function, which could impair your judgment and increase your risk of being involved in an accident.

Marital Status

At first thought, one would think that it would cost more to be married, but it actually doesn't. Compared to married motorists, statistics show that single drivers are twice as likely to be injured when involved in an auto accident. Maybe this is because after you get married you feel that you have more to live for so you try to drive more carefully. Whatever the case may be, the statistics don't lie.


When it comes to women, the odds are ever in their favor when it comes to insurance premiums. For the men, though, not so much. Unfortunately, statistics seem to show that there are more men who are killed in car accidents and tend to partake in risky behavior on the road, such as speeding.