However, King Price Insurance’s claims data has revealed that there’s actually some truth to the frequency of these little everyday mishaps. Men are more high-risk compared to womenNtuli says the data also revealed that men are more high-risk than women. She highlights that same thinking is reflected in how insurance premiums are determined. On average, women pay around 18% less for car insurance than men. How insurance premiums are determinedNtuli adds that it doesn’t mean insurers reward women for being women.