New data reveals that drivers selecting “Mr” face significantly higher premiums—sometimes by £975 or more. Here’s why—and how to get cheaper car insurance regardless of your title.
Car Insurance Quotes: How “Mr,” “Mrs,” “Miss,” and “Ms” Compare
Recent research from Which? and leading car insurance comparison sites shows that drivers who select “Mr” when applying for a quote are consistently offered higher premiums than those choosing “Mrs,” “Miss,” or “Ms.”
Average Car Insurance Premiums by Title (2025 Data)
| Title | Average Premium (Top 3 Quotes) |
|---|---|
| Mr | £1,695 |
| Miss | £1,331 |
| Mrs | £863 |
| Ms | £720 |
(Source: Confused.com, Q1 2025 data)
The difference between “Mr” and “Ms” can be as much as £975 per year—raising questions about fair pricing in car insurance.
Do Age and Gender Affect Quotes?
Quotezone’s data confirms the trend persists across all age groups:
| Age | Mr | Mrs | Miss | Ms |
|---|---|---|---|---|
| 30 | £1,127 | £953 | £900 | £814 |
| 40 | £918 | £787 | £694 | £731 |
| 50 | £650 | £560 | £699 | £520 |
| 60 | £481 | £398 | £404 | £381 |
(Source: Quotezone, Q1 2025 data)
Even at 60 years old, men still pay £100+ more on average than women with the same age and driving history.
Why Do “Mr” Drivers Pay More? Is This Legal?
Under the Equality Act 2010, insurers cannot use gender to set car insurance prices. However, titles can indirectly influence risk assessment.
Key Factors Behind the Price Gap:
✔ Higher-risk driving behaviour – Men are twice as likely to have serious convictions (e.g., drink driving, speeding).
✔ More severe claims – Male drivers tend to file costlier claims than women.
✔ Occupation & mileage differences – Some jobs (e.g., delivery drivers) are male-dominated and increase risk exposure.
Rhydian Jones (Confused.com) explains:
“Men statistically have higher-risk profiles, leading to pricier premiums—not because of their title, but due to driving data.”
Greg Wilson (Quotezone CEO) adds:
“Insurers assess risk factors like claims history, not gender. But ‘Mr’ applicants often fit higher-risk categories.”
5 Ways to Lower Your Car Insurance (Regardless of Title)
1. Compare Quotes Early
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Start 3 weeks before renewal—last-minute quotes are often more expensive.
2. Use Multiple Comparison Sites
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Try Confused.com, Quotezone, and Go.Compare—different sites show different deals.
3. Check Fully Comprehensive Policies
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Third-party isn’t always cheaper—sometimes fully comp offers better value.
4. Consider Black Box Insurance
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Telematics policies reward safe driving with discounts (ideal for low-mileage drivers).
5. Pay Annually (If Possible)
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Monthly payments add interest—paying upfront saves money.
Final Verdict: Does Your Title Really Matter?
✅ Yes, but indirectly – “Mr” drivers pay more due to statistical risk factors, not direct discrimination.
✅ You can still save – Smart shopping (early comparisons, black box policies) lowers costs for everyone.
Want the Cheapest Quote?
➡ Compare car insurance now with Confused.com or Quotezone to find your best deal!
