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Implications for Unisex Statutes and Risk-Pooling: The Costs of Gender and Underwriting Attributes in the Automobile Insurance Market

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  • Puelz, Robert
  • Kemmsies, Walter

Abstract

In this paper, we explore the effects of gender and other demographic features and benefit provisions on insurance premiums using individual data from a property and liability insurer domiciled in Georgia for three types of automobile insurance coverages: collision insurance, comprehensive insurance, and liability insurance. We report the implicit prices of individual and automobile underwriting attributes and find that the effect of gender on the insurance premium for each of our coverage types is significant but has a lower absolute effect than other underwriting attributes, raising questions about the regulatory impact of unisex statutes. Finally, we examine three alternatives open to the regulator who must mandate and monitor insurance pricing under a unisex statute. Copyright 1993 by Kluwer Academic Publishers

Suggested Citation

  • Puelz, Robert & Kemmsies, Walter, 1993. "Implications for Unisex Statutes and Risk-Pooling: The Costs of Gender and Underwriting Attributes in the Automobile Insurance Market," Journal of Regulatory Economics, Springer, vol. 5(3), pages 289-301, September.
    • Handle: RePEc:kap:regeco:v:5:y:1993:i:3:p:289-301
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    Cited by:

    1. O. C. Ferrell & Dimitri Kapelianis & Linda Ferrell & Lynzie Rowland, 2018. "Expectations and Attitudes Toward Gender-Based Price Discrimination," Journal of Business Ethics, Springer, vol. 152(4), pages 1015-1032, November.
    2. James M. Carson & James S. Doran & Randy E. Dumm, 2011. "Market Discipline in the Individual Annuity Market," Risk Management and Insurance Review, American Risk and Insurance Association, vol. 14(1), pages 27-47, March.
    3. Vijay Aseervatham & Christoph Lex & Spindler, Martin, 2014. "How do unisex rating regulations affect gender differences in insurance premiums?," MEA discussion paper series 201416, Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy.

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