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: May 18, 2020

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Here's what you need to know...

  • Women with clean driving records often pay lower car insurance rates than men with similar records
  • It is statistically proven that women are more responsible than men behind the wheel
  • As texting becomes more prevalent, both men and women are involved in serious accidents
  • Age and gender can have an impact on your car insurance rates

If you are a female driver, you can benefit from cheaper car insurance that is designed to fit your needs.

Car insurance can be very expensive. Thankfully, certain people are eligible for special programs that save them hundreds of dollars a year on their insurance quotes.

Women — if they have clean driving records and have been driving for a few years — are typically able to find cheaper car insurance coverage than men with similar driving records.

Start searching for coverage by entering your ZIP code into the FREE quote tool above!

Table of Contents

Female Drivers vs. Male Drivers

Here are a few reasons women tend to get cheaper car insurance rates than their male counterparts:

Statistically speaking, these reasons are especially true in the younger male population. Car insurance for boys is always more expensive than car insurance for girls.

The harsh truth is that both men and women are becoming far too careless behind the wheel. Although women are still classified as the safer drivers, they are just as likely as men to become distracted while driving.

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Why do women get cheaper premiums?

The gender of the driver is not the key reason that women get cheaper car insurance. It goes a bit deeper than that.

Typically, women are given less expensive insurance for two reasons:

  • General choices
  • Exhibited behaviors

Many stereotypes label women as awful drivers who move too slowly. Ironically, auto insurers think that women are just more careful by not driving over the speed limit. They are also shown to be less aggressive and are therefore considered a lower risk.

Women are less likely to be the cause of accidents involving speed, recklessness, and aggressive behavior.

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Women represent less of a financial burden when handling vehicle repair bills and personal injury expenses. This lower risk is the reason car insurance for women is often less expensive. Insurers run a lower risk by accepting their application to be covered and makes women preferred customers, which could include discounts.

Fewer women have a desire to purchase extremely fast cars. The best cars for women, and the ones they tend to drive, often cost less to insure.

Insurers believe that women prefer affordable, practical, and safe cars. Men are more likely to prefer high-performance cars with high horsepower and more “muscle.”

These cars can cause damage if not handled properly and can also cost a great deal to repair in the event of a traffic accident.

These are also the types of cars that are sought out by car thieves.

Women-Only Insurance Companies

In 2009, more than 50 percent of all new cars purchased were purchased by women. There are more women-only car insurance companies being established. These companies include:

  • Diamond
  • Diva
  • Women on Wheels
  • Emerald Car Insurance

Some of these companies reject male applicants from their plans. Their reason behind this is that it will allow them to reduce the cost of car ownership for females who do not have claim records.

You should get at least three to five policy proposals before making a decision on your insurance policy. Find what works best for you. You can get cheap car insurance with a simple click of the mouse.

Simply enter your ZIP code and compare car insurance quotes from top companies in your area now!