This Quoran is quacked up: Can I be legally identified as a female to lower my car insurance rates?
I was going to mutter something untoward about genitalia, but fortunately, an actual insurance agent beat me to the punch:
If you are a man, asking that if you put down that you are a female, could you get rated as a woman? Possibly, but if you then have an accident, the company will probably say FRAUD, and not pay you for your claim (won’t stop them from paying the other party if you were guilty) until you paid them all of the BACK PREMIUMS.
I say possibly, because for instance, if you give me a Florida Driver’s license number, without the name of the driver, I CAN TELL WHETHER YOU ARE MALE OR FEMALE. A typical Florida License # looks like this X123–456–78–901–0. That 901 section tells me your Birthday AND whether you are Male or Female. Men’s birth dates are from 001 to 499 and Women’s birth dates run between 501 & 999.
So there is an EXCELLENT likelihood, that you won’t get away with it. OH, and when your Driver’s License Record comes in saying Gregory not Georgia, it might also tip off the insurance company.
Something fake-ID users in Florida need to consider, I guess. And now I’m curious, inasmuch as I have a real-life trans woman friend in Florida, and … never mind, we shouldn’t go there.