Where can I find cheap car insurance for women?

The average rates for cheap car insurance for women are $205.43/mo. By becoming the primary driver on the policy or buying a separate policy, car insurance for women can be even cheaper.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 19, 2020

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Here's what you need to know...

  • Statistically, women are involved in fewer accidents than men
  • A woman may want to consider putting her name as the primary on the policy
  • Comparison shopping can help a woman save even more on car insurance
  • Insurance companies consider gender when determining rates

Women may not necessarily be better drivers than men, but insurance companies know that they tend to be involved in fewer accidents and are less likely to make claims than men.

Car insurance companies are interested in providing products geared to this specialized market, and some of them offer cheap car insurance for women.

To get competitive car insurance rates for women, start with your ZIP code in the FREE rate tool on this page!

Women Drivers and Insurance

When women get behind the wheel of a car, they tend to be more cautious than men. The portion of the driving population that pays the most for car insurance coverage is teenage boys.

Car insurance underwriters know only too well that males in this age group tend to take more risks in many parts of their lives, not only on the road.

As a result, they are the most expensive portion of the population to insure, and rates for young men generally don’t start to come down until around the age of 25.

Female drivers are less likely to be involved in a car accident. When a collision occurs, it is more likely to be minor in nature, as opposed to one that will lead to expensive repair bills or writing off the vehicle entirely.

When an insurance company receives an application for coverage, it takes steps to determine the level of risk that the applicant presents. Women tend to present a lower level of risk for car insurance purposes, and qualify for lower premiums as a result.

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Name on the Policy

Even though women pay less than men, as a whole, there are still ways for women to get even better insurance rates.

Specifically, there are a couple of things that a woman looking to avoid paying more than she has to can do.

  • She can consider becoming the primary driver on the policy
  • She can consider buying a separate policy for herself

A woman can apply for coverage as the primary policyholder and go through the car insurance company’s underwriting process.

The company will consider several factors to determine how much she will need to pay for her car insurance coverage, including:

The insurance company may also pull the applicant’s credit report as part of this process. Having credit issues is seen as a mark against car insurance customers because it indicates how responsible the individual is.

Someone who is unable to pay bills on time is a higher risk for insurance coverage.

It may be less expensive for car insurance purposes for a woman to be named on the policy first and then add the names of any male members of the household as secondary drivers.

Putting a man’s name on the policy as the main policyholder may mean that the rate is based on the man’s level of risk, which may be higher.

Another way for a woman to save on the cost of her coverage may be for her to go it alone for car insurance purposes, especially if her husband or partner has been involved in accidents or has moving violations on his driving record.

That way, she is getting quoted a rate based solely on the level of risk that she presents.

Shopping Around for Coverage

When looking for car insurance coverage, the key to getting the best possible rate is to shop around. Each insurance company has its own criteria for determining how risky a particular individual will be to insure.

Rates can vary greatly, depending on the company, and taking the time to get quotes from several companies can mean significant savings on policy pricing.

It’s important when ordering quotes to make sure that each company is being asked to provide pricing for the same type and level of coverage. The amount of the policy deductible can also affect rates, so it’s important to make sure that this is the same level for all quotes.

A customer who finds an insurance provider she likes but who wants to save money on coverage costs may want to consider increasing the policy deductible.

This is the amount that a policyholder agrees to pay out of pocket before the insurance company will write a check on a claim. When a policyholder agrees to take on a larger portion of a claim herself, she qualifies for better rates for car insurance coverage.

It is definitely possible to find cheap car insurance for women. Female drivers tend to present a lower level of risk when it comes to insurance and qualify for better rates than men do. By considering her options, a woman can avoid paying too much for her coverage.

Use your ZIP code and the FREE car insurance rates device on this page to obtain cheap quotes now!

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