Research: Alaska Ladies Pay Extra for Auto Insurance – Homer Information

A local insurance agent says a recent study claiming that Alaska women pay more for auto insurance than men doesn't reflect his experience.

According to a press release from Quote Wizard, a Seattle-based online insurance site, women in Alaska pay $ 378 more for auto insurance each year than men in a similar position – the largest gender gap in the country.

The result is based on “Thousands of offers for fully comprehensive motor vehicle insurance in random zip codes across the country for drivers aged 18 and 35 with excellent creditworthiness and no accidents. The vehicle used for the data is a 2012 Honda Accord LX with 16,000 miles annual mileage, ”the press release said.

Not so fast

Local state farm agent Rueben Willis said these numbers do not reflect his experience.

"None of the data I have would reflect that," he said in a telephone interview on Tuesday. "That's not my experience with it in 30 years."

He explained that when new drivers hit the road, women pay less than men until men get married or turn 30. He said the difference is determined by claims data, with men in this age group generally having more claims.

But, he said afterwards, the company doesn't offer a gender-based rating scheme.

“We don't have a gender-specific tariff. There is no difference between males and females. We only use tickets and the accident history, ”he said.

State regulators weigh in

In an email to the Empire, Glenn Hoskinson, Public Information Officer for the Department of Commerce, Community and Economic Development, said that the Department of Insurance's property and casualty division reviewed the study but couldn't comment on the accuracy of the report .

"We agree that a gender assessment can lead to unfair discrimination, but also many other factors such as place of residence, marital status, etc.," she said.

Hoskinson suggested that Alaskan drivers consider telematics-based ratings that track drivers through phone apps that monitor driving habits.

"DOI believes this is a good alternative for consumers in the marketplace who want to sign up / enroll in the company's telematics program to avoid potential discrimination," she said.

Contact reporter Dana Zigmund at dana.zigmund@juneauempire.com or 907-308-4891.

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