Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 1, 2020

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Here's what you need to know...

  • Based on statistics of accidents, women are often offered cheaper car insurance premiums than men
  • Any woman who has a tarnished driving record will not receive discounts simply because of her gender
  • Women can look for additional discounts to save even more on their insurance premiums
  • Both age and gender affect your car insurance rates

Car insurance for women is cheaper than it is for men. Statistically, women have fewer accidents than men and are safer drivers.

As we all know, this is not always the case. There are some men who are much better drivers than some women.

The fact remains, however, that if both a man and a woman have clean driving records and a good driving history, the female driver will get a better auto insurance rate.

The cheaper rate that women drivers receive has nothing to do with perceived skills. How well a woman can park or how quickly she can maneuver through traffic has no bearing on her car insurance premium.

The statistics that car insurance companies use to determine safe drivers are solely based on risk.

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Table of Contents

Female Drivers and Insurance Costs

When accidents occur, and claims are called into insurance companies, detailed information about the accident is collected by the insurance representative.

This information is then used to determine who was at fault for the accident.

According to the data that most insurance companies collect from the drivers themselves during the claims process, men typically have more incidences in which they are “at fault” for an accident than women.

For this reason, women are considered to be less risky drivers, which is why their insurance rates might be cheaper.

Women drivers who display risky driving behavior do not benefit from lower insurance rates though they may get a lower cost insurance rate before they have established a driving history because of their gender.

However, if a woman continuously displays risky behavior and accumulates points on her license because of this behavior, she will surely pay for it. There is no doubt that a woman that is considered to be a high-risk driver will pay a higher insurance cost.

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How Vehicle Type Affects Women’s Insurance Premiums

Vehicle type also directly affects insurance rates for women.

In general, women tend to purchase vehicles that are safe and that have a myriad of safety features. The best cars for women tend to incorporate lower car insurance premiums.

In fact, many women who are married have spouses that select their vehicles for them.

Men who select vehicles for their spouses and children select vehicles based on safety features, quality, and space. These types of vehicles are much cheaper to insure than sports cars and “toys” that men typically are drawn to.

Traffic Violations and Insurance Premiums for Women

Women who have multiple traffic violations also lose the benefit of receiving a cheaper automobile insurance rate. Excessive tickets directly impact insurance premiums for women and can cause rates to rise substantially.

Because the discounts that women receive from automobile insurance companies based on their gender is not a substantial discount, to begin with, just a couple of tickets can raise the insurance premium cost to the same amount or even higher than that of their male counterpart with a clean driving record.

Just as excessive traffic violations directly affect insurance rates, accidents affect rates as well.

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Just one accident where a woman is at fault will substantially raise her rate. It is important to remember that women only receive the best rates when they have a clean driving record.

As traffic violations and accidents accumulate points on their driver’s licenses, they suffer the exact fate as any driver with a tarnished driving record will. In fact, many women are denied insurance based on risky driving behaviors and poor driving histories.

The best and most reputable insurance companies will not insure high-risk drivers with poor histories regardless of their gender.

How Insurance Companies Calculate Car Insurance Rates

When calculating insurance rates, insurance companies always consider driving history before anything else.

A high-risk driver can potentially cause an insurance company to lose a substantial amount of money. In fact, there are many insurance companies that will drop a customer if they are considered to be too “high risk.”

Many women fall into this category and are dropped each year by their auto insurance providers.

Once a woman’s driving record is tarnished, the discount that a women would generally receive is basically non existent.

The small discount that initially would be available for a driver with a good record is now overshadowed by the excessive points that she has received on her license due to her risky driving behavior.

Remember, the discount is not substantial, to begin with. Therefore, it doesn’t take much to increase premiums.

Women who have tarnished driving records and are looking for a way to decrease their car insurance premiums can start by taking driving courses. Taking courses helps to decrease points on a driver’s license and also helps women learn safer driving practices.

Aside from taking driving courses, women can also do the following to avoid cars that increase insurance rates:

  • Only purchase vehicles that are considered “safe” by insurance companies
  • Enhance the safety features of your vehicle
  • Avoid purchasing vehicles with a higher than average record of theft
  • Avoid cars with advanced technological features
  • Stay clear of sports cars and luxury vehicles
  • Practice safe driving at every opportunity

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Quotes and Lower Car Insurance Premiums

It is also a good practice to get an insurance quote before purchasing a new or used vehicle.

Many women do not consider the cost of insuring their vehicle until after it is purchased. However, it is a good idea to get the insurance price first. The best place to shop for insurance quotes is online.

Online insurance comparisons allow you to find the best rates possible.

If you are a woman who has tarnished your driving record, you can still get a decent insurance rate while you are working to get your record clear.

The key is to explore all of your insurance options, and the best way to do this is by comparing insurance companies and the cost of insurance policies for women.

Online price comparisons are your best bet. They will allow you to research a myriad of companies allowing you to make your final decision based on the company that will provide the best possible deals for women drivers regardless of driving history.

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