Car Insurance for Transgender and Non-binary Drivers

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Car Insurance for Transgender and Non-binary Drivers – Applying for car insurance may seem difficult for some people who identify as transgender and non–binary. We assure you that the process of applying for car insurance is as straightforward as a pie. Transgender and Non-binary drivers who seek detailed information on car insurance and other related discourse should stay close to this article.

Car Insurance for Transgender and Non-binary Drivers

We will be providing insights on car insurance for transgender and non-binary drivers. In order not to miss out on valid information, ensure you read between the lines.

States That Provide a Non-binary Option for a Driver’s License

Certain states require you to change the gender on your driver’s license if you are transitioning to another gender. Highlighted below are states that allow you to identity as transgender and non-binary on your driver’s license;

  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Hawaii
  • Maine
  • Maryland
  • Massachusetts
  • Minnesota
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • Oregon
  • Pennsylvania
  • Rhode Island
  • Utah
  • Vermont
  • Virginia
  • Washington

While these states permit transgender and non-binary people to change their gender on their driver’s license it is notthe case in other states.

Will My Insurance Premium Increase If I Transition From Female to Male?

The level at which your premiums will increase or decrease in dependent on the state you reside in. Most insurance companies determine the cost of car insurance based on gender. So, your premium is most likely to increase if you transition from female to male. On the flip side, if you have a good driving record, the increase of your premium may not be as high as you think.

How Can I Switch The Gender on My Car Insurance Policy?

The first thing you need to do is to notify your car insurance company of your plan to change gender. Once you’ve e contacted your insurance provider, you will be required to change the gender on your driver’s license before you can affect the change on your car insurance. Your insurer will help you through the process of switching your gender on your car insurance policy.

Tips on How to Get Car Insurance for Transgender and Non-Binary Drivers

The process of transitioning to another gender and changing insurance policies car seems like a daunting task to so many transgender or non-binary drivers.  The good news is that the process of getting auto insurance is relatively easy and similar to the usual process straight people follow. Here’s what you should do.

  • Determine Your Needs: The first thing you should evaluate before getting car insurance is your needs and the type of coverage that suits them. Decide on the type of coverage options to settle for, and ensure that it aligns with your needs and budget. By doing so, you will be able to narrow down your choices when selecting insurance companies.
  • Compare Quotes: Don’t just settle for any insurance company you come across, the wisest thing to do is to shop around and compare quotes from different insurers. Through this, you would be able to find an insurance provider that offers low rates.
  • Check Ratings: This is another tip that would help you get the best auto insurance. Yes, it is good to factor in the cost but is also essential to review the customer service and creditworthiness of your insurer. It is a different ball game to consider the ratings of your auto insurance company aside from the cost.
  • Ask About Discounts: If you’re the type, who seeks affordable auto insurance that would help to save cost, you can ask your insurer for discount options that you are eligible for. Once you are aware of this, it will help you to make a great choice of spending less money.

Factors That Affect the Cost of Insurance for Transgender and Non-binary Drivers

Aside from the genders which is the primary factor, there are other variables that determine the rate of car insurance for transgender and non-binary drivers. Some of them include;


The place you reside has a huge effect on your auto insurance rate; most insurance companies calculate rates based on your mailing address. If you reside in a suburban or rural area, you will most likely find lower rates. But, if you live in urban or city areas with high crime rates and population density, your insurance rate is likely to be on the high side.


Your age also affects the cost of insurance, older drivers stand a chance of getting low auto insurance rates. In most states, some laws permit insurers to discriminate based on age, this means that you will be charged according to how young or old you are. Young drivers are considered less experienced and high-risk, so they are often charged with higher premiums.


The type of vehicle you are insuring will determine the cost of your auto insurance. Vehicles that are of high market value are the most expensive to insure while those with low market value and safety ratings are less expensive.


The type of coverage you choose to add to your auto insurance policy also determines the cost of your insurance. If you have high deductibles, you’ll be offered lower rates but if reverse is the case; you will be faced with high insurance rates. While is important to have the right amount of coverage, consider your financial status as well.

Credit score:

Your credit score also affects the cost of auto insurance. In all states except California, Massachusetts, Michigan and Hawaii, insurance companies evaluate your credit score and determine how you will be charged for auto insurance. If you have poor credit, insurers believe you are likely to file claims consistently, hence, the reason your rate will be increased.

Driving record:

If you have a clean driving record, you have just escaped paying high rates on your auto insurance. Those with a poor driving record such as claims, tickets, and accidents, expect to pay higher rates.


If your annual mileage is lower than expected, you will be charged lower rates compared to someone with high mileage. So, if the number of miles you travel per-day is high, expect to be charged higher premiums.


The good news is that acquiring auto insurance isn’t any different for transgender and non-binary drivers, even if there’s a chance your rates will change and changing your gender on your license may seem like a difficult process.