If you get a DUI, you may need an SR22 or an FR44, depending on your state, which are proof of liability insurance. People with DUIs on their driving records usually see higher auto insurance premiums than people with good driving records.
More Likely to Be Stopped by Police
While men and women were equally likely to have contact with police due to traffic accidents, men were 32 percent more likely than women to be stopped by the police in 2018.
||Difference between male and female contact rates
|Percentage of total U.S. population, ages 16 or older, who had police-initiated contact in 2018
|Percentage of total U.S. population, ages 16 or older, who had resident-initiated contact in 2018
|Percentage of total U.S. population, ages 16 or older, who had traffic-accident contact in 2018
In 2018, 1 in 4 men were stopped by the police while driving, compared with 1 in 5 women.5 That’s yet another reason women pay less for car insurance premiums.
Unfortunately for men, insurance companies set policy rates based on population statistics at large, not individuals. That means, even if all else is equal with their female counterparts, men are still likely to pay more than women for auto insurance.