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Gender-Neutral Automobile-Insurance Rates: Have They Made a Difference?

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  • A J Stanislawski
  • K J Meier

Abstract

The authors' objective was to assess the impact of gender-neutral automobile-insurance laws in four states, and to ask whether these laws have increased prices, increased market concentration, discouraged driving, or encouraged greater risk taking? A pooled time-series analysis for 21 years in four states was used to test the relationship between adopting a gender-neutral insurance law and risk-adjusted prices, industry concentration, numbers of licensed drivers, and traffic fatalities. The authors find that gender-neutral automobile-insurance laws have no impact on the risk-adjusted price of insurance, the market share held by direct writers, the number of licensed drivers, or the rate of traffic fatalities. Gender-neutral laws were associated with a larger market share being controlled by the three largest firms. The authors conclude that because gender-neutral insurance laws have no impacts which are detrimental to consumers, they could be adopted by all states with few negative consequences.

Suggested Citation

  • A J Stanislawski & K J Meier, 1998. "Gender-Neutral Automobile-Insurance Rates: Have They Made a Difference?," Environment and Planning C, , vol. 16(5), pages 505-516, October.
    • Handle: RePEc:sae:envirc:v:16:y:1998:i:5:p:505-516
    DOI: 10.1068/c160505
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    References listed on IDEAS

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    1. Dickey, David A & Fuller, Wayne A, 1981. "Likelihood Ratio Statistics for Autoregressive Time Series with a Unit Root," Econometrica, Econometric Society, vol. 49(4), pages 1057-1072, June.
    2. Granger, C. W. J. & Newbold, P., 1974. "Spurious regressions in econometrics," Journal of Econometrics, Elsevier, vol. 2(2), pages 111-120, July.
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