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Last updated: November 27, 2023

Car Insurance for Transgender and Nonbinary Drivers

If you transition, will your car insurance rates increase?

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In 42 states plus Washington, D.C., it’s legal for insurance companies to take sex and gender into account when determining car insurance prices. That means if you’re transitioning and changing the identification on your driver’s license, your car insurance rates may change as well.

How Gender Affects Car Insurance Applications

In most places in the United States, men pay more for car insurance than women. This is legal in most states because male drivers have statistically higher rates of car crashes, incidents of driving under the influence, and other harmful driving behaviors. This makes them more likely to file insurance claims, so insurance companies charge men more for premiums to protect themselves against future losses.

Let’s take a look at the reasoning behind this using 2020 data from the National Highway Traffic Safety Administration’s Fatality Analysis Reporting System (FARS), which tracks car crashes across the U.S.1 2020 is the most recent year for which data is currently available.

Why Gender Matters

  • Car crash rates: In 2020, men were involved in 56 percent of all car crashes, while only 44 percent involved women. This gender disparity was most severe when it came to fatal car crashes, with rates at 68 percent for male drivers versus 32 percent for female drivers.
  • DUI rates: Men are also more likely to drive under the influence, leading to DUI and DWI convictions. Of car crashes in which a driver had a blood alcohol concentration (BAC) of .08 or higher, meaning they were intoxicated, men were involved 68 percent of the time, whereas women were involved 29 percent of the time.
  • Speeding rates: Out of all car accidents involving speeding in 2020, men were involved in 60 percent, compared to 40 percent for women. This disparity was highest in fatal crashes, where the male-to-female ratio was seven to three.
  • Distracted driving rates: Out of the fatal crashes that involved a distracted driver in 2020, 66 percent involved men, while only 34 percent involved women.
  • Drowsy driving rates: Men were involved in 69 percent of fatal crashes that involved drowsy driving, while women were involved only 30 percent of the time.

Even though there’s a stereotype about women being bad drivers, the statistics are clear that men are more likely to get into accidents and exhibit bad driving behaviors that lead to injuries, property damage and even death.

How Gender Affects Rates

According to our proprietary data, men pay an average of $1,323 for car insurance annually, while women pay 9 percent less — $1,211 on average.

How Age and Gender Affect Rates

The difference in insurance prices between men and women typically lessens with age. Young men usually have the highest rates when comparing car insurance quotes across ages and genders.

Will Your Rates Increase If You Transition From Female to Male?

If you live in a state where insurance companies are allowed to determine prices based on gender, your rates may increase if you transition from female to male. However, if you have a good driving record and are older than 25, the increase shouldn’t be too substantial.

Does Your State Allow Gender to Affect Rates?

In 42 states and Washington, D.C., it’s legal for insurance companies to determine rates based in part on gender. Find where your state stands below.

State Legal for car insurance companies to determine rates by gender?
Alabama Yes
Alaska Yes
Arizona Yes, but gender can’t be used in determining insurance score
Arkansas Yes
California No
Colorado Yes
Connecticut Yes
Delaware Yes, but gender can’t be part of credit score used
District of Columbia Yes
Florida No
Georgia Yes
Hawaii No
Idaho Yes
Illinois Yes
Indiana Yes
Iowa Yes, but gender can’t be used in determining insurance score
Kansas Yes
Kentucky Yes
Louisiana Yes
Maine Yes
Maryland Yes
Massachusetts No
Michigan No
Minnesota Yes
Mississippi Yes
Missouri Yes
Montana Yes
Nebraska Yes
Nevada Yes
New Hampshire Yes
New Jersey Yes, but gender can’t be used in determining insurance score
New Mexico Yes
New York Yes, but must be supported by “actuarially sound statistical data”
North Carolina No
North Dakota Yes
Ohio No
>Oklahoma Yes
Oregon Yes, but must be “based on sound underwriting or actuarial principles”
Pennsylvania No
Rhode Island Yes
South Carolina Yes
South Dakota Yes
Tennessee Yes
Texas Yes, but only if “company can show that you’re a greater risk for a loss than other people it’s willing to insure”
Utah Yes
Vermont Yes, but requires “relevant actuarial data or actual cost experience”
Virginia Yes, but requires “relevant actuarial data”
Washington Yes
West Virginia Yes
Wisconsin Yes
Wyoming Yes, but gender can’t be used in determining insurance score

The only states that outright ban the use of gender when determining car insurance premiums are:

  • California
  • Florida
  • Hawaii
  • Massachusetts
  • Michigan
  • North Carolina
  • Ohio
  • Pennsylvania

In these states, if you transition, your rates shouldn’t go up based on your gender alone.

Advice for Transgender and Nonbinary Insurance Applicants

Good news: If you have already changed your gender on your driver’s license, the process of getting auto insurance should be fairly similar to the process for cisgender people.

  1. Determine your needs: First, decide which insurance coverages and limits you want. That way, you can compare quotes apples to apples.
  2. Compare quotes: Get quotes from multiple providers to see which has the lowest rates.
  3. Check ratings: Cost isn’t the only factor you should take into account. Consider third-party ratings on customer satisfaction from organizations like J.D. Power, as well as creditworthiness, as assessed by companies like S&P.
  4. Ask about discounts: Finally, ask your agent or broker what discounts apply to you. Once you know that information, you’ll be ready to choose the best option.

Other Factors That Affect the Cost of Insurance for Transgender People

In addition to gender, most insurance companies use the following factors to determine car insurance rates.

  • Address: Your mailing address is a key factor in quotes. Rates vary by state and location heavily. For example, in 2020, the last time the National Association of Insurance Commissioners released data, the average annual cost of car insurance was lowest in North Dakota ($692) and highest in Louisiana ($1,495), a difference of 116 percent.2 Even within states, you’ll find lower rates in suburban/rural areas with lower population densities and crime rates and higher rates in cities.
  • Age: Most states allow car insurance companies to discriminate based on age, as younger, less experienced drivers are most likely to have crashes.
  • Coverages: The more coverage and the higher limits you get, the more you’ll pay in premiums. The size of your deductible affects the cost as well: you’ll pay lower rates for policies with high deductibles and vice versa.
  • Credit score: Every state except Massachusetts, Michigan, Hawaii, and California lets car insurance companies use your credit score to determine car insurance rates. Expect higher rates if you have poor credit, as that indicates a higher likelihood of filing claims.
  • Driving record: Someone with a poor driving record, i.e., a history of accidents, claims, and tickets, will pay higher rates than someone with a clean driving record.
  • Marital status: In every state except Arizona, Hawaii, Iowa, Massachusetts, Michigan, New Jersey (for widows/divorced people), Ohio, and Wyoming, car insurance providers can use marital status as a factor to determine premiums. Married people have lower claim rates than those who are single, separated, divorced, or even widowed.
  • Mileage: If you have lower annual mileage, you can pay less than someone with high mileage, especially with pay-per-mile insurance.
  • Vehicle: Since car insurance follows the vehicle, not the driver, the type of car you have matters. A study from AAA found that electric vehicles are the most expensive to insure, while compact SUVs, which have high safety ratings, are the least costly.3
Type of vehicle Average cost of full coverage car insurance in 2022
Compact SUV (FWD) $1,515
Subcompact SUV $1,527
Medium SUV (4WD) $1,529
Midsize pickup $1,537
Small sedan $1,618
Hybrid vehicle $1,619
Electric vehicle $1,619
Half-ton/crew cab pickup $1,630


Hybrid and electric vehicles are more expensive to insure due to their high repair costs. A battery replacement alone can cost you up to $15,000!4

Driver’s License Gender Change Policies by State

No state explicitly outlaws changing your gender on your driver’s license. However, some require proof of gender confirmation surgery. Some states, like Alaska, require even more proof of a gender change. See your state’s policy below if it has one.

State Does the state let you change your gender on your driver’s license? Does the state require proof of gender confirmation surgery? Does the state require additional proof of gender identity?
Alabama Unclear; policy requiring gender confirmation surgery was declared unconstitutional n/a n/a
Alaska Yes No Yes, amended birth certificate and U.S. court order granting change of sex/gender. Form must also be completed/certified by either an advanced nurse practitioner, psychologist, physical assistant, professional counselor, physical in medicine/osteopathy, or social worker
Arizona Yes No Yes, signed statement from licensed physician that says the person is “irrevocably committed to the gender-change process”
Arkansas Yes No No
California Yes No No
Colorado Yes No Yes, Colorado birth certificate or form DR 2083 if under 18, which requires a licensed professional medical/health care provider to verify gender identity
Connecticut Yes No No
Delaware Yes No Yes, part of form must be completed by a licensed U.S. medical or social service provider certifying their gender
District of Columbia Yes No Yes, certification by medical/social service authority like a physician, licensed therapist or counselor, case worker, social worker, etc.
Florida Yes No Yes, signed original statement on office letterhead from attending medical physician (internist, endocrinologist, gynecologist, urologist, or psychiatrist) indicating the person is “undergoing appropriate clinical treatment for gender transition”
Georgia Yes Yes, physician must state date of operation Yes, court order or physician’s letter certifying gender change is required
Hawaii Yes No No
Idaho Yes Yes Yes, physician must certify the person has “undergone a change of sex”
Illinois Yes No No
Indiana Yes Yes Yes, physician must certify gender change
Iowa Yes No Yes, certified, amended birth certificate or a court-ordered change of sex designation with an official court seal
Kansas Yes No Yes, court order or file-stamped copy of order, or medical declaration from an attending licensed, medical or osteopathic physician stating the person has “undergone the appropriate clinical treatment for change of sex” or that this gender classification is appropriate
Kentucky Yes Yes Yes, court order changing gender marker, letter from surgeon verifying completed gender confirmation surgery, amended birth certificate
Louisiana Yes Yes Yes, physician-signed medical statement stating the person has had a successful gender change
Maine Yes No No
Maryland Yes No No
Massachusetts Yes No No
Michigan Yes No No
Minnesota Yes No No
Mississippi No policy n/a n/a
Missouri Yes No Yes, medical or social provider must verify gender identity
Montana No policy n/a n/a
Nebraska Yes Yes Yes, doctors of medicine/osteopathy, physician assistants, advanced practice nurses, or doctors of chiropractic must verify “sex reassignment procedures required for social gender recognition”
Nevada Yes No Yes, physician must complete a form certifying the gender change
New Hampshire Yes No No
New Jersey Yes No No
New Mexico Yes No No
New York Yes No No
North Carolina Yes No Yes, physician, psychiatrist, physician’s assistant, licensed therapist, counselor, psychologist, case worker, or social worker must verify gender identity in their “professional opinion.” Requested sex must match birth certificate and must have a U.S. court order granting change of sex/gender
North Dakota Yes No, just “gender role transition” — vague language Yes, physician, physician assistant, advanced practice nurse, psychologist, or psychiatrist must verify “gender role transition” is completed/permanent
Ohio Yes No Yes, physician, psychologist, therapist, nurse practitioner, or social worker must certify they treat and counsel the person and that their gender identity is correct
Oklahoma Yes Yes Yes, original or certified court order for name change and a notarized statement on letterhead from physician who performed gender confirmation surgery that is “irreversible and permanent”
Oregon Yes No Yes, U.S. court document that proves gender change
Pennsylvania Yes No No
Rhode Island Yes No No
South Carolina No policy n/a n/a
South Dakota No policy n/a n/a
Tennessee Yes Yes Yes, statement from physician that necessary “medical procedures to accomplish the change in gender” are complete
Texas Yes No Yes, original, certified court order or amended birth certificate that verifies change. Can get court order by having doctor write a letter that the person has had the “appropriate clinical treatment for gender transition” or an acquaintance verifying they consistently present as that gender
Utah Yes Not necessarily, just “appropriate clinical care or treatment for gender transitioning or gender change” Yes, letter from a licensed medical professional that the person is “receiving appropriate clinical care or treatment for gender transitioning or gender change.” Must also get evidence of this care, attend a hearing in court, and get a court order, which must be filed with the Utah Vital Records and Statistics before changing sex on license
Vermont Yes No No
Virginia Yes no No
Washington Yes No No
West Virginia Yes No Yes, licensed physician must certify gender identity
Wisconsin Yes No Yes, proof by court order under seal or physician’s note
Wyoming Yes No Yes, statement signed by physician, therapist, counselor, psychiatric social worker, or other medical/ social service provider verifying they treat the person and that their gender identity will continue “for the foreseeable future”

States With License Categories for Nonbinary People

In most cases, changing your gender on your car insurance policy will involve changing it on your driver’s license. The following states allow you to identify as nonbinary on your driver’s license with a gender-neutral option, typically an X. There are no requirements to change your gender on your license in any of these states, which includes changing your gender to nonbinary.

  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Hawaii
  • Maine
  • Maryland
  • Massachusetts
  • Minnesota
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • Oregon
  • Pennsylvania
  • Rhode Island
  • Utah
  • Vermont
  • Virginia
  • Washington

In every other state, you must choose between “male” or “female” on your driver’s license. However, as noted above, not all states let you change your gender on your driver’s license.


According to a 2022 survey from the Pew Research Center, nearly 2 percent of all U.S. adults across all ages identify as trans or nonbinary. For people ages 18 to 29, however, that number is closer to 5 percent.5

How to Switch the Gender on Your Car Insurance Policy

Letting your car insurance provider know of your gender transition should be as easy as contacting your insurance agent and notifying them about the change. You’ll probably want to change the gender on your driver’s license before you change it on your car insurance, though, because your car insurance is based in part on your driver’s license information.


While there is a chance your insurance premiums will change if you transition, and the process to change your gender on your license may seem burdensome, the bright side is that the actual act of getting car insurance isn’t any different for transgender and nonbinary individuals. To learn more about auto insurance for marginalized groups, check out our article on car insurance for undocumented immigrants.


  1. Fatality Analysis Reporting System (FARS). National Highway Traffic Safety Administration. (2023).

  2. 2019/2020 Auto Insurance Database Report. National Association of Insurance Commissioners. (2023, Jan).

  3. Your Driving Costs. AAA. (2023).


  5. About 5% of young adults in the U.S. say their gender is different from their sex assigned at birth. Pew Research Center. (2022, Jun 7).