Men and women pay different car insurance rates in many US states. By 2018, women paid more for car insurance in 25 states, and the cost disparity is growing. In 44 US states, insurance companies can use gender to determine a driver's car insurance rate. Car insurance rates are also based on age, credit, car make and model, driving record, and location. Earlier this year, California banned gender-based car insurance rates, joining five states — Hawaii, Massachusetts, Montana, North Carolina, and Pennsylvania — that already prohibit the practice.

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