3 Reasons Why Young Female Car Insurance is Less Expensive

Reasons why young female car insurance is less expensive than male car insurance rates are statistics, biology, and vehicle choice all lead women drives to be less risky. Teen boy drivers have a greater risk of getting into an accident than teen girls, so they pay more in auto insurance premiums. Find cheap auto insurance for young female drivers by comparison shopping online. Start now with our free comparison tool below.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Jun 3, 2021

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Both young men and women are equally as excited to become drivers, but no one looks forward to the high cost of insurance for those under the age of 25. The ladies have a touch more bragging rights however, because their car insurance premiums are at least less expensive than premiums for young men.

Every young driver can get low cost car insurance by searching for quotes to compare right here; all it takes is entering your ZIP code into the FREE box now!

There are a few reasons why car insurance rates for young females is less expensive than coverage for males, and it all goes back to that one point that auto insurance providers really care about: risk. Teen drivers have a greater risk for getting into an accident, so young drivers pay more in car insurance premiums.

Young male drivers have a greater share of that risk, so they pay more than young female drivers do for auto insurance.

Why Young Drivers’ Insurance is Expensive

Auto insurance underwriters love statistics. Statistics are as close as you can get to having a crystal ball for showing what will happen in the future. Based on past history, statistics show what is most likely to happen in the future.

Underwriters look at past statistics to attempt to determine how a set of drivers will perform in the future. For instance, such statistics show that young drivers are the most dangerous group on the road, according to the National Highway Traffic Safety Administration. Drivers between the ages of 15 to 20 are in three times as many traffic accidents with fatalities than all other driving age groups combined. Young drivers are in so many crashes that traffic accidents are the leading cause of death in young people in the United States.

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Reason #1: Statistics

Those figures show some very interesting trends when divided among gender lines. Past statistics show that young male drivers will get into many more serious accidents than their female counterparts, based on statistics gathered by the Centers for Disease Control.

According to the data, between 2007 and 2009, female drivers from the age of 18 to 24 died in car accidents at a rate of 12.5 for every 100,000 drivers. Male drivers for the same age group died at a rate of 34.6 per every 100,000 drivers. Statistically speaking, a young male driver was almost three times more likely to die in a car crash than a young female driver was.

Auto insurance underwriters use these very same numbers to assess a driver’s risk. Young female drivers have a high likelihood for being in an accident, so their rates will be high. Young males, however, have a very high likelihood of being in a serious accident, so their rates are that much higher.

Reason #2: Biology

In 2007, a study conducted by Carnegie Mellon changed the punch line to all of those jokes about lousy women drivers, as reported on Science on NBCNews.com. The study showed that female drivers of just about any age were better drivers, being 77% less likely than a male to die in a car accident.

Biology was suggested as being partly responsible for the trend, in two very separate ways. First, young males from 16 to 23, the most dangerous creatures on the road, are more prone to risk-taking in their early years. They are more likely to speed, drive dangerously to show off and engage in aggressive driving. Basically, they are immature and inexperienced. Octogenarian drivers did record higher death rates, but that was attributed to the frailty of older drivers, not risky driving.

The second way biology might play a role in the lesser risk of female drivers is very different from the first. Female drivers, as women, are more likely to have kids in the vehicle.

Even young female drivers are likely to have children in the vehicle, as further CDC data shows that women who are in the 20 to 24 year old age group have children at a rate of 96.3 births per every 1,000 women.

That is almost the same birth rate as women ages 25 to 30 years old, which is the age group with the highest birthrate.

While fathers certainly drive their children around a great deal, the task of primary caregiver still largely falls to mothers. That means more women are driving around in a vehicle containing children, as women perform primary taxi duties as well.

Generally, women will drive much safer with children in the vehicle. Even young mothers know they have precious cargo aboard. When there are kids in the car, female operators drive slower, follow other vehicles less closely, and take fewer risks in general. That driving behavior equates into lower car insurance premiums for women across the board.

Reason #3: Vehicle Choice

A third reason why young female drivers have lower car insurance rates may also be that they generally drive safer vehicles than men drive. While many women appreciate the horsepower and acceleration of sports and muscle cars, the only gender rumored to have a love affair with fast vehicles is the male gender.

Typically, women are focused on safe vehicles that get great gas mileage. They also want a reliable vehicle that won’t leave them stranded. Men, on the other hand, are more likely to focus on fast, sporty vehicles that are impressive. Sports cars and muscle cars cost more to insure because such vehicles are not as safe as sedans, vans and the like, and they cost more to repair after an accident.

Again, these are typical patterns, not rules, but men are also more likely to drive other vehicles that are more expensive to insure, such as trucks.

While men also drive vans, SUVs, and sedans, they are much less likely to do so than women.

This trend can even be viewed in the vehicle choices of younger drivers, even though they have less choice in the matter. Young men would choose a sports car or truck over a sedan any day, while most young women would rather have the sedan than the truck.

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How to Lower the Cost of Insurance for Young Drivers

While nothing but time and practice can truly lower the higher insurance premiums of young drivers, there are a few steps that can be taken to lower the overall cost of car insurance for young drivers. Essentially, a young driver’s risk needs to be lowered as much as possible in the eyes of auto insurers.

One method, according to the NY Department of Financial Services is to find discounts. Many car insurance companies offer good student discounts, so young drivers in high school and college should hit the books to lower their car insurance premiums. Generally, auto insurers will want proof of good grades every semester, such as a report card, the student’s name on the Dean’s List or a report from a college or university.

Furthermore, many auto insurers also offer discounts for young drivers who take driving courses. Such a course or class creates driving knowledge and experience in the eyes of an insurance company.

Discounts can also be found for a safer vehicle or for installing security devices on a current vehicle. Any driver can realize significant savings on insurance costs just from having VIN etching performed on a vehicle, and it is a relatively inexpensive procedure.

Young drivers can also try to drive fewer miles and park their vehicles in a secured location like a garage or secured parking lot.

Lastly, young drivers should also make an effort to drive in a safe manner so as not to mar a clean driving record!

The rates of young drivers won’t go down, male or female, at age 25 if they already have a few tickets or accidents under their belts!

Where to Find the Best Rates for Young Drivers

Young drivers need all of the help they can get to procure lower rates, so it is important to understand that how a driver searches for rates is almost as important as whether that driver is old or young, male or female.

If a young driver only gets quotes from one or two car insurance companies before buying, then that driver probably will not get the best rates possible. They key is to get multiple quotes from as many car insurance providers as possible. The best and quickest way to accomplish garnering multiple rates is to use a quote comparison website.

A quote comparison website sends a driver’s demographics out to multiple car insurance providers. Then those providers send quotes for coverage back to the driver. It’s really that simple.

Some car insurance companies advertise that they can save drivers hundreds of dollars a year if they switch. While it is true that some drivers will realize such savings with that one insurer, not all will. Those drivers who can’t save with that provider just need to find the one insurer who will save them hundreds or even thousands. The only way to find that insurer is by searching for multiple quotes.

The bottom line is that no driver of any age or gender can guess how much a car insurance carrier will charge for coverage. The only way to know for sure is to get multiple quotes to find that one insurer who offers the lowest price for the same coverage; statistics show such a trend to be true!

Click here to find your perfect car insurance company at this point by inserting your ZIP code into the FREE box now!

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