While auto insurance premium depends on a variety of factors, gender is one of the factors that affect your premium rates. According to statistical data, male drivers are involved in more accidents than female drivers. As a result, men drivers pay higher insurance prices than female drivers.
The information in this answer is general in nature and is not legal or insurance advice for your specific situation. Policy language varies carrier by carrier; your declarations page is the final word. If you're unsure, call your agent before you need to file.