Man becomes woman to get cheaper auto insurance

Published: April 30, 2018

Updated: July 24, 2018

Author: Luke Jones



Canadians are feeling the pinch from escalating auto insurance premiums. It’s not cheap to insure a car, but customers can do things to ensure the best rate, including being a woman it seems. Women usually pay less on average than men for auto insurance, so one Alberta resident decided to use that to his advantage.

Identified only as “Anotherlink421” on Reddit, the man was quoted $4517 for his auto insurance coverage. He decided to ask his broker if it would have been more affordable if he was a woman. The answer was yes, in fact he would save $1094.

So, he decided to effectively change his sex, at least in a legal way. It is worth noting that Anotherline421 did not have a sex change and does not live as a woman. However, he decided to identify as a woman in Alberta, which also includes changing gender on his birth certificate and driver’s license.

He described the process of doing so in a Reddit post, and it was shockingly easy to do.

“To change my gender on my auto-policy I needed to change my gender on my Driver’s License. To change my gender on my driver’s license I first needed to amend it on my birth certificate. So I called the Government of Alberta and they said they’d send me the forms to get the process started. After that she said they will send me another batch of forms which included a requirement being a physician must write a letter saying that I am a woman. I thought I was stopped right there. I don’t want surgery! I thought gender was a state of mind in Canada and Alberta now. I was let down, but thankfully I was mistaken. Gender is a state of mind in Canada and therefore Alberta. I approached this sub in a post telling you guys how my shortly lived endeavor came to an abrupt end. I thought having to see a physician implied I had to have surgery. Silly me /s. The folks over at r/Mensrights directed me to a video of Lauren Southern (also Canadian) doing the exact same thing. r/Mensrights sub further convinced me that doctors are obligated to write me the letter I want. It’s dumb: they are medical doctors, not psychologists. As the form stated, I was allowed to change my Sex if my gender didn’t match my body. Doesn’t make much sense. But whatever. I followed the requirements: one being the doctor’s letter, and two getting an affidavit notarized. The whole process was easy. Overall, it costed me ~$100 to change my gender.

I am now a woman. I wasn’t one last year. As you could see, I received my new birth certificate that states I am officially a woman. After I changed my gender on my driver’s license (and also my Alberta Health care coincidentally) I called up my insurance company and they adjusted my rate. I now pay $1100 less for auto-insurance. I won. The end.”

So, Anotherlink421 is now a woman in a legal sense, even if he lives and identifies as a man. Whether the whole thing is worth it just to get cheaper auto insurance is an interesting question. More fantastic is the idea that it was so easy to do and the insurance company can do nothing about it.

Considering the issues surrounding gender politics and identification at the moment, it is perhaps in bad taste to change gender without the emotional connection. Still, it is arguably the most bizarre example of playing the system against itself we have seen this year.