Car Insurance for Women – What You Need to Know

As a woman, you probably come under a lot of flak for different stereotypes. It is not uncommon for you to be unfairly treated. The wage gap, hiring inequality, and many other issues are common for women. Have you ever been teased about how women are bad drivers? Well, car insurance companies seem to agree, with a little twist. To understand how to get cheap car insurance for women, read on and take the advice to mind.

Common Factors for Determining Car Insurance Rates for Women

You obviously know the traditional factors that go into determining your car insurance rates. Age, location, the type of car you drive, so on and so forth. Did you know that gender is also one of these factors, though? Now, you might be getting ready for another lecture on how men have once again received an easier go of it than the gentler sex. This couldn’t be further from the truth. While you might expect car insurance for women to be more expensive than it is for men, it is actually the opposite.

If you are a woman, you’re more likely to pay less for your car insurance than a man is. “SEXISM”, you say? Perhaps not. There is actual scientific data and statistics that support the choice of insurance companies to charge women less than they do men. According to some major studies, over 50% more men are involved in fatal or crippling car crashes a year than women are. Men are more likely to buy fast cars, drive over the limit, drink and drive, and do many more careless things.

How Much Less Do Women Pay?

On average, you might end up paying significantly less than your male counterparts. Men can pay tens of thousands of dollars more on their car insurance policies than women do throughout the course of their driving years. However, this difference gets smaller as you grow older. The premiums you pay when you’re in your early 20s are very different to those for men. As you pass the age of 25 and move to your 30s these premiums get lower, because your experience increases. The difference gets smaller too, because men over the age of 30 are more careful drivers.

Tips for Getting Cheap Car Insurance for Women

If you’re a woman, you will be paying a lot for your car insurance policy while you’re under 25 years of age. From the moment you get your licence till you hit this milestone, you’re likely to pay a lot more for your insurance. Don’t worry, it is still a lower amount than men of the same age pay. These higher prices take a major hit when you reach the age of 25 but until then you will need to follow some guidelines when getting insurance, just to make sure you minimize your costs till you’re ready to start age discounts.

Perform Well in School

This is one of the easiest ways for a woman to reduce her car insurance rates. If you study hard and get your GPA above 3.0, most car insurance companies give you a 5-10% discount on your insurance. As long as you maintain that average, of course. Since women have been shown to perform better academically than men, you’re bound to get this discount more easily than a man can.

Allow the Company to Track Your Driving

As a young driver, the main reason your insurance rates are higher is that you are deemed a risk by the company by default due to your lack of experience. You can get rid of this stigma by showing the company you’re a better driver than they think. They already know that you’re safer on the road than a man your age, but if you let them install a tracking device on your phone or your car, you’ll be able to enjoy discounts the safer you drive. These discounts can be up to 25% off your premiums.

Don’t Sweat the Small Stuff

Every single claim you make can increase your premiums. If you bump into another driver, or you get bumped, and you don’t have to pay them off, don’t try to file a claim simply because you were in an accident. Car insurance is meant to cover larger crashes that you can’t afford to pay damages for on your own. Small collisions with about $1000 worth of damage aren’t worth raising your premiums over. The more claims you file, the more your premiums will be, regardless of the size of these claims. You are also at greater risk of having the insurance company completely cancel your policy.

Think About Your Car Model

As a woman, you’re more likely to get a cheaper, safer, more decent car than a man is. Men are more likely to get cars that are expensive, unsafe, and way too fast for the streets. The riskier a car is, the higher the premiums will be. If you can buy a normal family car or SUV that has some modern safety features like airbags and ECT, you’re more likely to get discounts on your premiums. If your car is an older model that you already own fully without a lease or financing, make sure you pick an insurance policy where the premiums are less than a tenth of the value of the car.

Go Shopping Once a Year!

You might smile now and think you go shopping way more often than this. Well, what we are talking about is shopping for womens car insurance. Even if you already have a car insurance policy you should shop around for others to make sure that you’re getting the best possible deal for premiums on your car. There are always better deals out there, and insurance carriers love to bring people over to the dark side.

Ring the Wedding Bells

This isn’t a joke. If you get married before the age of 25, you will save as much as 40% on your current insurance premiums. That’s almost half of what you are paying right now. Both married men and women stand to save more on their insurance than single people because single people take more risks. Being married is seen by the insurance company as a sign of responsibility which translates to more savings on your premiums.

Your Driving Record Still Counts

If you’re a woman with a past history of accidents or bad driving habits, you will pay more on your insurance than a man who has a clean bill of driving. You’re still liable for any and all traffic offences that you have committed in your past. The rule of women paying less than men only applies if you have no prior incidents on your record. The longer you have been driving without a blemish on your record, the more likely you are to qualify for good driver discounts and more benefits.

Being a woman in this world isn’t easy. We face so much profiling and stereotyping as a gender that it is difficult to imagine a world in which we have the upper hand. However, if you take the time to enjoy the benefits of cheap car insurance for women, you’ll come to realize that being of the fairer sex has its perks too!

One way in which we benefit much more than men is when it comes to full coverage car insurance, we have a lot more options available to us and for much cheaper. I recommend reading our article on full coverage auto insurance to see if it’s something that would benefit you.

Published by Benjamin

Sr. Writer at