Can identifying as female lower my auto insurance rates?

I’m listed as male on my documents but have recently started identifying as gender fluid. Could I inform my auto insurance company about this and get a better rate if I identify as a woman?

It depends on your state and what is on your driver’s license. Your gender on the insurance policy has to match what’s on your license, and some states don’t allow options for gender fluid or non-binary.

Usually, it’s based on what’s on your driver’s license. Not saying you are, but this kind of situation could be seen as potential fraud, so insurance companies won’t just change it because you ask.

Insurance companies typically rely on what’s listed on your driver’s license or your gender assigned at birth. The answer really depends on your location. There isn’t enough risk data for transgender or non-binary people to have separate rates yet, so they usually stick to the traditional categories. Some places might even use the ‘higher risk’ rate if there are legal requirements, mainly to prevent fraud.

@Darwin
Understood, I’ll update it on my driver’s license when it’s up for renewal.