What Is The Impact Of Gender Change On Auto Insurance Rates? 
Insurance is regulated by state . Each state can adopt a different approach to the issue that you have raised . In California , the voters took rating matters into their own hands with a constitutional amendment . Sex or gender , as you say , is not a rating factor in California . That means that in California if you switch sex , switch back and switch again , nothing will change as long as you are residing in California , and driving a car insured in California . 