Gender Differences and Automobile Insurance Acquisition

  • Edimilson Costa Lucas
  • Wesley Mendes-Da-Silva
  • Angela Christine Lyons


This chapter examines the associations between driver gender, risk behavior when driving motor vehicles, and the inclination to acquire automobile insurance. To inform this investigation, a random survey was conducted of 566 middle-class adults. By using nonparametric tests and logit models, the results suggest that even when controlling for other variables, women feel a greater need than men to have automobile insurance in the event of possible accidents under rainy conditions and to have access to driver support services. Women also tend to have more respect for speed limits in various situations, such as during the rush hour, on local roads and on highways. The results also showed that men feel safer than women when driving in more precarious situations: at night, in unfamiliar areas, after drinking, or when they are tired. These results, while contributing to the theoretical development of road traffic and transportation safety, are of special relevance to the financial industry and the regulatory agency. The insurance industry may find these results particularly helpful in designing future policies and setting premiums.


Gender differences Risk taking Attitude toward driving Insurance Traffic safety 

JEL Code

G22 J16 L62 


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Copyright information

© Springer International Publishing AG, part of Springer Nature 2019

Authors and Affiliations

  • Edimilson Costa Lucas
    • 1
  • Wesley Mendes-Da-Silva
    • 2
    • 3
  • Angela Christine Lyons
    • 4
  1. 1.Department of Business EconomicsFederal University of São PauloOsascoBrazil
  2. 2.Sao Paulo School of Business Administration (FGV/EAESP)Sao PauloBrazil
  3. 3.University of Texas at AustinAustinUSA
  4. 4.University of Illinois at Urbana ChampaignUrbanaUSA

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