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In order to generate an auto insurance quote, auto insurance companies must make generalizations about types of people. These generalizations are based on past performance of different groups of individuals. Generalizations regarding gender can affect the price you receive in your car insurance quote. Young men between the ages of 16 to 25 are statistically more unsafe behind the wheel than females in the same age bracket. They typically drive more and take more risks behind the wheel than female drivers. As a result, men in this age bracket will pay more for auto insurance. However, the gender cap for car insurance quotes closes for older men.