If knowing the rules of the road is any indication of safe driving habits, then men are the safer drivers. That’s according to the 7th Annual GMAC Insurance National Drivers Test. This year, men had a test score that was slightly higher than 80%. That is significantly higher than females, who averaged just above 74%. What is more telling is that 27.2% of the women who took the test, failed. Compare that to the 13.6% of men who failed the National Drivers Test and we get a real sense of who knows the rules of the road better when it comes to men vs. women.
However, the article cited here does not discuss the comparison from an actuarial standpoint. Since it’s common knowledge that women’s insurance rates are usually less than men’s, it stands to reason that the aforementioned edge men may have in knowledge of the rules of the road doesn’t translate into what drives insurance rating factors: who costs insurance companies more money.