{"id":14655,"date":"2025-06-30T02:15:42","date_gmt":"2025-06-30T02:15:42","guid":{"rendered":"https:\/\/lotayamedia.xyz\/?p=14655"},"modified":"2025-06-30T02:15:42","modified_gmt":"2025-06-30T02:15:42","slug":"does-your-title-mr-mrs-miss-or-ms-affect-your-car-insurance-quote","status":"publish","type":"post","link":"https:\/\/lotayamedia.xyz\/?p=14655","title":{"rendered":"Does Your Title (Mr, Mrs, Miss, or Ms) Affect Your Car Insurance Quote?"},"content":{"rendered":"

New data reveals that drivers selecting “Mr” face significantly higher premiums\u2014sometimes by \u00a3975 or more. Here\u2019s why\u2014and how to get cheaper car insurance regardless of your title.<\/strong><\/p>\n

Car Insurance Quotes: How “Mr,” “Mrs,” “Miss,” and “Ms” Compare<\/strong><\/h2>\n

Recent research from\u00a0Which?<\/strong>\u00a0and leading\u00a0car insurance comparison sites<\/strong>\u00a0shows that drivers who select\u00a0“Mr”<\/strong>\u00a0when applying for a quote are consistently offered\u00a0higher premiums<\/strong>\u00a0than those choosing\u00a0“Mrs,” “Miss,” or “Ms.”<\/strong><\/p>\n

Average Car Insurance Premiums by Title (2025 Data)<\/strong><\/h3>\n
\n\n\n\n\n\n\n\n\n
Title<\/strong><\/th>\nAverage Premium (Top 3 Quotes)<\/strong><\/th>\n<\/tr>\n<\/thead>\n
Mr<\/strong><\/td>\n\u00a31,695<\/strong><\/td>\n<\/tr>\n
Miss<\/strong><\/td>\n\u00a31,331<\/strong><\/td>\n<\/tr>\n
Mrs<\/strong><\/td>\n\u00a3863<\/strong><\/td>\n<\/tr>\n
Ms<\/strong><\/td>\n\u00a3720<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

(Source: Confused.com, Q1 2025 data)<\/em><\/p>\n

The difference between\u00a0“Mr” and “Ms”<\/strong>\u00a0can be as much as\u00a0\u00a3975 per year<\/strong>\u2014raising questions about\u00a0fair pricing in car insurance.<\/strong><\/p>\n

Do Age and Gender Affect Quotes?<\/strong><\/h3>\n

Quotezone\u2019s data<\/strong>\u00a0confirms the trend persists across\u00a0all age groups:<\/strong><\/p>\n

\n\n\n\n\n\n\n\n\n
Age<\/strong><\/th>\nMr<\/strong><\/th>\nMrs<\/strong><\/th>\nMiss<\/strong><\/th>\nMs<\/strong><\/th>\n<\/tr>\n<\/thead>\n
30<\/strong><\/td>\n\u00a31,127<\/td>\n\u00a3953<\/td>\n\u00a3900<\/td>\n\u00a3814<\/td>\n<\/tr>\n
40<\/strong><\/td>\n\u00a3918<\/td>\n\u00a3787<\/td>\n\u00a3694<\/td>\n\u00a3731<\/td>\n<\/tr>\n
50<\/strong><\/td>\n\u00a3650<\/td>\n\u00a3560<\/td>\n\u00a3699<\/td>\n\u00a3520<\/td>\n<\/tr>\n
60<\/strong><\/td>\n\u00a3481<\/td>\n\u00a3398<\/td>\n\u00a3404<\/td>\n\u00a3381<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

(Source: Quotezone, Q1 2025 data)<\/em><\/p>\n

Even at\u00a060 years old<\/strong>, men still pay\u00a0\u00a3100+ more<\/strong>\u00a0on average than women with the same age and driving history.<\/p>\n

Why Do “Mr” Drivers Pay More? Is This Legal?<\/strong><\/h2>\n

Under the\u00a0Equality Act 2010<\/strong>, insurers\u00a0cannot use gender<\/strong>\u00a0to set car insurance prices. However,\u00a0titles can indirectly influence risk assessment.<\/strong><\/p>\n

Key Factors Behind the Price Gap:<\/strong><\/h3>\n

\u2714\u00a0Higher-risk driving behaviour<\/strong>\u00a0\u2013 Men are\u00a0twice as likely<\/strong>\u00a0to have\u00a0serious convictions<\/strong>\u00a0(e.g., drink driving, speeding).
\n\u2714\u00a0More severe claims<\/strong>\u00a0\u2013 Male drivers tend to file\u00a0costlier claims<\/strong>\u00a0than women.
\n\u2714\u00a0Occupation & mileage differences<\/strong>\u00a0\u2013 Some jobs (e.g., delivery drivers) are male-dominated and\u00a0increase risk exposure.<\/strong><\/p>\n

Rhydian Jones (Confused.com)<\/strong>\u00a0explains:<\/p>\n

\n

“Men statistically have higher-risk profiles, leading to pricier premiums\u2014not because of their title, but due to driving data.”<\/em><\/p>\n<\/blockquote>\n

Greg Wilson (Quotezone CEO)<\/strong>\u00a0adds:<\/p>\n

\n

“Insurers assess risk factors like claims history, not gender. But ‘Mr’ applicants often fit higher-risk categories.”<\/em><\/p>\n<\/blockquote>\n

5 Ways to Lower Your Car Insurance (Regardless of Title)<\/strong><\/h2>\n

1. Compare Quotes Early<\/strong><\/h3>\n