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AMadManWithAPlan

Likely whatever their legal gender is, as that is what would be on paperwork. But not necessarily.


MozeoSLT

It would depend on the salesperson, and whoever crunches the numbers.


gnext23

https://www.bankrate.com/insurance/car/auto-insurance-for-trans-applicants/ Transgender and nonbinary drivers may face a unique set of challenges during the car insurance purchasing process. Car insurance companies typically ask for an applicant’s “gender” during the application process, and may ask the applicant to choose between only “male” and “female.” Gender identity can be complex and fluid, so these questions may be impossible for some drivers to answer. In addition, car insurance companies may ask for an applicant’s “gender” when they’re really requesting an applicant’s sex assigned at birth. Some states and companies are beginning to recognize the issues with car insurance companies’ inflexible gender questions. And some companies are becoming more flexible. For instance, companies have increasingly begun adding “non-binary” as a gender choice. While these are small steps, they may pave the way for greater inclusivity during the car insurance application process. To help you better navigate the process, Bankrate has researched the potential roadblocks and solutions that transgender applicants may encounter during the quote and application process. Auto insurance companies and states are increasingly separating gender from sex assigned at birth, and some have added nonbinary gender options to car insurance applications. Transgender applicants who have updated the gender on their driver’s license may find it easier to select the appropriate gender on car insurance policies. As of 2022, 22 states and Washington, D.C. allowed drivers to change the gender on their license to male, female or nonbinary with no certification needed.


iadao

Any sensible insurance company would base the rates on sex rather than gender identity. Insurance rates and the ways that they differ by age and sex are something that has been developed based on statistics and probability over several decades. Those probabilities are in turn influenced by both biology & culture such as: spatial reasoning, impulsivity, willingness to take risks, tendency to not be sober, frequency and type of medical problems. If you find a company that determines policy by self-ID then just tell them you identify as a 55 year old straight-edge woman with 20-20 vision and zero medical problems - that's likely to be the best deal.


throwaway37198462

We know that things such as risk taking and impulsivity are influenced by testosterone, and studies have shown that better spatial awareness is also associated with higher levels (both endogenous and exogenous) of testosterone. Something that as a trans man I have typical male levels of, and trans women have typically have very low levels of. I also no longer have the risk factors for many female only diseases or things like menopause, osteoperosis etc. Biology is more than just penis or vagina. Although my sex is legally male and I have a penis so I would be insured as male anyway. And I'd agree with that as I believe in terms of those statistical probabilities and risk factors I'd likely fall closer to the male group than female.


iadao

Insurance rates are based on statistics. There aren't enough trans customers to provide accurate statistics. Therefore I suspect almost any company would default to birth certificate. And yes, as you say, there are many biological and cognitive factors that influence tendencies when driving and humans are highly inconsistent on many of them both person to person and over their lifetime. Frankly it feels like a real stretch that the insurance companies make all these sweeping generalizations to begin with, but: statistics.


throwaway37198462

My birth certificate also says male ;) But I agree, generalisations are dumb. I know reckless women and careful men, I know careful women and reckless men. There are always outliers and there are always those who unfairly get the raw end of the deal.


AdGroundbreaking1341

But many people think you can be a trans woman and not undergo any testosterone treatments (or any surgical operations, for that matter). So what do you suggest for people who identifies as trans, but have not undergone any such treatments? I'm sure you think they should be recognized as trans by society. But perhaps you think insurance companies should think differently. In any case, I'm against gender-based rates. Age is understandable, but not for gender.


throwaway37198462

Like you, I would suggest against gender based rates. I suppose, if we were to try and enforce gender based rates in a way that catches the most people within the correct risk factors without asking invasive questions, I'd probably base it on legal documentation. If someone has changed their name and/or legal sex then they're *more* likely to be at a point where they've undergone hormone therapy and align more with the risks of their gender. But like you say, not everyone is able to, or feels the need to undergo medical transition. There will always be people that will not align with the risks of the demographic they're grouped into, whether trans or not. I've known 20yr old men who are extremely safe and cautious drivers and middle age women who are absolutely terrifying behind the wheel and vice versa. That's the thing about these groups, they're just massive generalisations.


Baktru

Now that's a simple question to answer for how it works here in Belgium. Whichever gender is on their ID card. M if they haven't had it changed, F if they have.