Male drivers are traditionally responsible for more motor vehicle accidents and related deaths than female drivers in the United States. Government agencies and insurance companies also expect higher accident incidents among males under age 30. Historic evidence shows that young men drive more recklessly and aggressively than young women. In general, all men usually perform more than one risky driving action as well, such as failing to wear a seat belt, driving while impaired, texting while driving and speeding. The Insurance Institute for Highway Safety, Highway Loss Data Institute has found that time spent on the road also affects the number of accidents. Although women travel more miles today than in 1975, for example, men continue to travel more than women, which increases their specific risk of having vehicle accidents.
According to the Centers for Disease Control and Prevention, almost twice as many male drivers than female drivers between ages 16 to 19 had fatal crashes in 2013. The IIHS HLDI found that twice as many males as females across all ages have had fatal crashes since 1975. In 2014, 10,971 male drivers died in fatal crashes versus 4,504 female drivers.
Men experience higher insurance rates in most states because of these factors. It is important to note that exceptions exist: Some regions in the country have traffic and weather conditions, populations and other factors that increase the risk of female drivers having more accidents. In these areas, insurance rates for male drivers are not always that much higher than for females. Driving in another state also increases the risk of accidents across both genders because of lack of familiarity with state driving laws and differences between traffic conditions. Lastly, many individual female drivers do not fit the "norm" and perform similar risky behaviors as their male counterparts.