Car Insurance For Women
Car Insurance

Understanding About Car Insurance For Women

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You may have heard that car insurance for women is lower than for men, and while this is the case for some, it’s not a universal truth. There are certain scenarios in which ladies car insurance can cost more than car insurance for men, and in some states, gender is no longer allowed to be considered as a deciding factor in determining car insurance rates. 

If it sounds a bit convoluted, that’s because the whole insurance market is exactly that! But don’t sweat it: We’re going to tell you everything you need to know about getting the best car insurance for women. 

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How Is Car Insurance For Women Different?

Fundamentally, car insurance for women is no different than car insurance for men. The coverage options are the same, it’s just the price may—or may not—be different. 

The price discrepancy between car insurance for women and men is most noticeable when we are talking about the difference between getting car insurance for young female drivers and getting the same insurance for young male drivers, who are notoriously high-risk on the roads. And when we say car insurance for the young drivers, we’re talking about teenagers. Insuring your teenage daughter can cost hundreds of dollars less per year than insuring your teenage son. 

As you get older, however, car insurance for women can cost just as much—and sometimes more—than car insurance for men. It’s not necessarily because women are being discriminated against (women still are statistically less likely to get in accidents), rather, the rates are determined based on a variety of factors individual to and set by insurance providers, and some of these variables are…well, unclear. 

What Influences the Cost of Car Insurance for Women?

Yes, some of the factors that influence car insurance rates are unclear, but there are also some universal determinants. They include:

Your age
Where you live
Your driving history
How much you drive
Your insurance history
Your credit score

Your gender may also be used as a determining factor, but as mentioned, some states do not allow this to be used in the decision-making process. These states include:

California
Hawaii
Massachusetts
Montana
North Carolina
Pennsylvania

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What Is the Cost of Car Insurance for Women?

As you may have guessed, the cost of car insurance for women varies significantly based on all the variables mentioned above. Your best bet is to get car insurance quotes for women to see which provider and price are right for you. 

This said, if you’re looking for an idea of what you might expect to pay, we’ve prepared a table of some average rates below. 

Female, unmarried, non-homeowner, age 18$4,682 annually
Male, unmarried, non-homeowner, age 18$4,522 annually
Female, unmarried, homeowner, age 30$1,136 annually
Male, unmarried, homeowner, age 30$1,038 annually
Female, married, homeowner, age 70$838 annually
Male, married, homeowner, age 70$798 annually

So, as you will see, ladies car insurance actually costs more than men’s, but again, this won’t always be the case—and if your car insurance is higher, it may have more to do with your driving record, insurance history, how much you drive and where you live than your gender.

You can request a fast and free quote from us today to get the best car insurance for women. We’ve curated a list of the providers who offer the most affordable rates, so you can get a quote with peace of mind that you’re getting great coverage at a great price.

How to Lower the Cost of Car Insurance for Women?

There are many discounts that can help women—or anyone—save money on car insurance. Ask your insurance provider about the ones that can apply to you. Some of the most common discounts include:

  • Safe driving discount. Your good driving record can pay off when your good driving record saves you money on car insurance.
  • Safety course discount. Younger and older drivers can save money on their coverage if they take safe driving courses and provide their insurance company with proof of completion.
  • Bundle discount. Bundling your home, auto, life, health and any other insurance you have with the same provider can save you thousands of dollars a year.
  • Multi-car discount. If you have more than one vehicle or have multiple people in your home with vehicles, insuring them all with one provider can reduce your premiums.
  • Low mileage. Don’t drive often? Then ask for a discount. While the exact mileage number varies, many insurance providers will offer discounts for people who drive around 7,500 miles or less a year.
  • Good student discounts. The cost of car insurance for young female drivers can be reduced if the driver is a student and maintains a B+ average.

This list of discounts is by no means exhaustive, so again, be sure to ask your provider about other applicable discounts.

The Takeaway: Car Insurance for Women

Gender is becoming less and less of a determinant when it comes to getting car insurance. Yes, sometimes female car insurance will cost less but sometimes it will cost more. If you want to get the best car insurance for women, do your homework and get a quote.

Start here, with us. Request a car insurance quote for women now. We’ve handpicked the best providers of car insurance for women and will match you with the perfect provider, saving you not only money but time. 

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FAQ
Yes, it does, but over time and with a good driving record, the cost will decrease. You can also take advantage of good student discounts, safe driving course discounts and safety feature discounts to reduce your rates right away.
Usually, within three to five years of maintaining a good driving record.
A teen driver, an older driver who has not previously held a license, a driver who is new to driving in the US, or a driver who has, for whatever reason, allowed their insurance or licence to lapse.