Research reveals that policies have become more expensive for the female public, even with men leading the number of traffic accidents by far
The maxim that women pay less for car insurance is beginning to be contradicted by the numbers. Historically benefited by lower accident rates, female drivers now face an increase in policies. A survey by Creditas Seguros, released by Estado de S. Paulo, reveals an inversion in this logic: in 2025, the average value for the female public rose 2.5%, while the cost for men fell 1.5%.
The survey, which analyzed 11 capitals considering a fixed profile of 35-year-old and married insured persons, attests that they started to pay more. According to the market, the change reflects the new dynamics of traffic. The increase in female exposure to risk, with greater use of the car at peak times and for work, directly impacted the statistics.
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Despite this new tariff trend, men still lead the accident statistics. Data from 2025 from Detran-SP show that the male public was involved in 80.7% of the occurrences, against 19.3% of women. Most records (88.9%) were classified as mild, followed by severe (6.4%) and fatal (4.7%) cases.
The apparent contradiction between the volume of accidents and prices is explained by the sophistication of pricing. The use of algorithms and telemetry for behavior analysis reduced the weight of gender as an isolated factor. The risk is now calculated by a complex cross-referencing of data, making the policy more expensive for more exposed routines.
At the national level, however, a TEx study points out that, in the general market average, insurance remains proportionally more expensive for men. The divergence between the surveys occurs due to the methodology: one focuses on specific profile cuts, while the other portrays the mass behavior of the sector.
The scenario shows that the price of vehicle protection has become multifactorial. Variables such as age, region, accident history and vehicle model are decisive. Young drivers pay twice as much, and regional variations can exceed 100%. The difference reflects, above all, the refinement of the criteria adopted by insurers.
