Classification of cars by type of driver uses sex and age to define three kinds of subclasses: young men, young women, and unisex adult. According to annual police reports, men’s accident involvement per 100 licensed drivers is about twice women’s in each age group. Strikingly inconsistent with this pattern, however, is the insurance switch from sex-specific to unisex pricing for almost all cars with drivers more than 25 or 30 years old (Butler et al., 1988, p. 251). Insurance for cars driven by young men is about 1.6 times the price for cars driven by young women, and both are higher than the unisex prices. Since these prices approximate the ratio of men’s to women’s annual mileage, however, young men and women on average—but not individually—spend about the same amount per mile for insurance. For example, young women who drove 5,000 miles in a year paid 15 cents per mile while young men who drove 10,000 miles paid 14 cents per mile. Although all cars are classified by driver age, fewer than one in four cars are classified by driver sex.

If insurers kept claim costs for cars with adult drivers separately for men and women, as they do for young drivers, non-insurance mileage and accident statistics indicate that the price for adult men would be about 40% above the current unisex price and the price for adult women would be about 30% below it (Butler et al., 1988). This is not an argument for expanding discrimination between men and women to include all cars instead of a small minority of them. Nevertheless, since a large majority of cars are classified as unisex, one can reasonably ask how the real difference between men’s and women’s average mileages for these cars is expressed in insurance prices? Why is the cost difference ostentatiously responded to in youth cars and ignored in the far larger group of adult cars? Even if all cars were classified by the sex of a driver, however, many men drive fewer miles in a year than women’s average and some women drive more miles in a year than men’s average. Therefore, driver sex fails at all ages as a measure for the miles individual cars travel. More about  teenagers auto insurance, visit http://74.200.250.2/~allidexc/blogs/onlineautoinsurance/auto_insurance_for_teenagers.html