Auto Insurance for Males Florida FL

Reader’s Question:

I am 22, male and a graduating college student at the University of Florida, but I am a resident of Miami. Why does my younger sister (19 years old) have a lower rate insurance policy quote than me when I am a more responsible driver than her? She comes home drunk almost every night. I’m perplexed by these sexist standards.

Richard

Miami, Florida

Good for you, Richard! You give 22-year-old male drivers a good name. Unfortunately, most of the male drivers your age have a different opinion of what constitutes being an ideal driver. As stereotypes go, college age kids are most aggressive when behind the wheel and more likely to get into accidents, thus sucking the cash out of the car insurance company’s hard earned profit. So, for as long as there are many testosterone-induced accidents, you can’t be awarded lower premium.

However, there is hope. In three years, you will be 25. That will make your sister 22 years old. And you know what that means? Another algebra problem involving age differences! Just kidding. Actually statistics show (Oh, it’s too bad statistics can’t separate the good male drivers, the bad male drivers, and the bad-female-drivers-who-happen-to-be-your-sister) that when you get to 25, the data is more or less the same. So, when you reach this age, the chances that a male or female driver is involved in an accident are almost the same. Therefore, you can enjoy lower car premiums by then. Well I would like to think that the reason why statistics even out by that age is that the college age “evil” drivers are dead by that time. Or as I’ve watched this humorous video clip, it is because when we reach 25, we go to this second puberty, where all of a sudden we have this urge to drive safely.

And if your sister comes home drunk every night, one of these days, she’ll get caught and be convicted with DUI. And Florida law states that she can have her license revoked, either be sent to jail or do community service. Best of all she will be charged higher premiums! You don’t have to envy your sister, anymore!

Tags: auto insurance premium, DUI, Female Car Insurance, women car insurance