In 2021, more than 44,000 male drivers were involved in fatal crashes in U.S. road traffic, which accounted for 72.3 percent of the total, while female drivers were involved in about 15,100 fatal crashes. The number of drivers who were involved in fatal crashes has shown an increase of about 16.2 percent from 2016.

Michigan had the most expensive car insurance premiums at 2,352 U.S. dollars for minimum coverage in 2023, though the premiums in many states fell in that year. The annual premium in Florida also fell by almost 1,000 U.S. dollars in 2023. This trend occurred in many high premium states.

Why it varies state by state

The huge variance in premiums between states is due to the difference in state laws, the percentage of uninsured drivers in the state, the frequency of natural disasters and claim rates. For instance, Michigan has a no-fault car insurance system, which means that claims are more common. This drives up the cost of insurance for all drivers, because insurers need to pay out more money in claims.

Male drivers also pay more

There is also a difference between premiums among different age groups. In 2023, 20-year old male drivers paid roughly 15 U.S. dollars more per month than 20-year old female drivers did. This is due to the higher incidence of accidents in amongst young male drivers. This means that young drivers in states which already have higher premiums must pay a lot for car insurance.