What Is The Impact Of Gender Change On Auto Insurance Rates? 
Gender change and the impact on auto insurance rates . Wow ! That 's a tough question even for me ... a broker with 34 years of experience . Typically , your driver 's license indicated your sexual orientation , although it is a bit unofficial . Initially , you may see carriers use that data when rating a driver and determining the appropriate premium to charge . However , in the future , they may be changes to the way insurers handle this very delicate situation . State laws and regulations may also impact the situation . Of course , recent legislation has changed in many states . For instance , if medical records -LRB- furnished upon request -RRB- indicate a gender different than what is listed on the actual driver 's license , an underwriter may make a determination to change the way that driver is rated . Ultimately , it is a corporate decision . Important Note : Answer was provided by Ed Harris , one of the nation 's premier car insurance experts , and owner of the top-rated website Carinsurancezoom.org , where consumers can quickly view the companies that offer the best rates in their area . 