What Is The Impact Of Gender Change On Auto Insurance Rates? 
That is a great question ! I think that the industry will have to rethink how they treat this issue somewhere along the line , but I think for the time being it is safe to assume that they will react as any profit oriented industry would . Unless you can show them medical proof that you are now `` Joann '' , and not still anatomically `` John '' , I 'd expect to pay the `` John '' based rates . I am afraid that they would speak carefully about appreciating your choices , but then fall back upon corporate doctrine , and charge you according to your rate category . There is no statistical evidence that would persuade them that changing your gender would change your driving habits , -LRB- individually or as a rate class -RRB- so it 's unlikely that they would reclassify you . That said , you never know , some companies and States are a little more progressive and understanding , so it 's certainly worth asking your auto insurance agent . Good luck , and thanks for asking ! 