Average Cost for Young Women Car Insurance

Young women auto insurance rates can vary, but the average cost of young women car insurance is $124 per month. A 16-year-old woman can pay over $500 per month for coverage, but young women still pay less than a male driver because providers consider women to be less risky to insure. Enter your ZIP code below to start comparing free car insurance quotes for women drivers.

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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 4, 2021

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It is a well-known fact that car insurance rates for young drivers between the ages of 16 and 25 are the highest of any group. It is also well documented that younger drivers, especially young men, cause the highest percentage of accidents of any age group. Unfortunately, young women in this same age group are most often charged the same exorbitant insurance rates.

Regardless of your age, you’ll always find the best deals for auto insurance online by putting your ZIP in the FREE box on this page.

Car insurance premiums are based in part, on the age of the driver and the number of years of driving experience. Many states do not allow insurance providers to differentiate policy rating and pricing by gender. The states that do, readily acknowledge that young women are generally more conscientious and safer drivers. Companies that price their policies based on the gender of a new driver will charge young women much less than male drivers of the same age.

Things Families Should Know

Insure U is an online informational and educational journal sponsored by the NAIC, the National Association of Insurance Commissioners. Insure U provides families and individuals with up-to-date information about a variety of insurance topics including auto insurance.

If a family is going to add a new driver to their existing auto policy, they can expect to pay anywhere from 50% more to 100% more for their insurance.

If a young man under the age of 25 is to be insured, the family’s premiums will usually double in cost. In states that allow for pricing differences according to gender, insuring a young woman under age 25 will amount to an increase on the lower end of the scale, usually in the 50% range. Insure U advises parents to shop wisely and compare all possible insurance providers before making such an important decision.

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How Much it Will Cost

A recent online financial report by Time Magazine talks about a consumer gender gap, where women generally pay far more than men for many common consumer goods. These items range from deodorant and clothes, to shoes and health care. Experts estimate that over the course of a year women pay an extra $1,300 for these things.

In fact, women pay more for most everything except car insurance. One analyst determined that men pay as much as $15,000 more for car insurance over a lifetime than women do.

CBS News MoneyWatch gives this example. An 18-year-old male driver in the state of Nevada will be charged an average price of $6,268 per year to insure a typical car.

Assuming they have the same clean driving record and both qualify for good student discounts by maintaining B or better averages, an 18-year-old woman will only pay $4,152 to insure the same vehicle. The male teenage driver will pay 51% more than the young woman will!

When the young drivers in the above example reach the age of 21, their Nevada auto premiums will drop dramatically, all the way to $1,824 for the young woman. The young 21-year-old man on the other hand, while paying far less than his 18-year-old counterpart will still have to come up with $2,696 for a full year’s auto coverage!

The gap in premium rates continues to narrow as male and female drivers reach middle age, with a differential of just one percent between the rates of men and women in the 35 to 55 age group. However, the gap will begin to widen as drivers reach their golden years, as they once again become higher risks behind the wheel.

The rates quoted above assume that the insured young person has a clean driving record and is free of traffic violations. Even a single ticket can mean a sharp increase in a young driver’s auto insurance rates. As an example, we compare current auto insurance rates from Colorado.

The Rocky Mountain Insurance Information Association, RMIIA, recently charted rates for 18-year-old motorists in the state. In Pueblo, a more expensive area of the state, an 18-year-old male driver with a clean record will pay $2,202 per year and an 18-year-old female, $1,796.

If each of those drivers receives just one traffic citation, their rates jump to $2,412 and $1,978 respectively. If the same male driver, after receiving a ticket has a chargeable accident, his auto rates will shoot up to $5,274. The female driver will pay much less under similar circumstances, but her annual auto policy will still cost $4,304!

Some States Offer Lower Insurance Rates

Iowa for instance, offers young drivers aged 20 to 24 the lowest auto insurance rates in the nation unlike Delaware, which has the highest rates in the country for this age group. Other states with low insurance rates for young people include Montana, North and South Dakota, Utah and New Hampshire.

Time Magazine reports that much of the current research points to facts confirming that women are actually involved in more car accidents than men are. A recent study determined that women were involved in 5.7 crashes for each million road miles driven. This is opposed to men being involved in 5.1 crashes per million miles.

Back a generation or two, men got into more accidents simply because they drove more. Today men still account for roughly 60% of all miles driven, but women are quickly catching up. Women now represent about half of all the drivers in the United States.

One statistic that hasn’t changed much is that men are still three times as likely to die in a car accident.

Why Women Pay Less for Car Insurance

Research studies show that men tend to drive more aggressively than women do and are twice as likely to be involved in a traffic accident. However, gender differences in insurance pricing vary from state to state.

For instance, male motorists in Pennsylvania can expect to pay more for insurance during their entire lifetimes. Men in Pennsylvania can expect to pay an average of 25% more for their car insurance premiums at every age.

However, female residents of Illinois, Washington State, or Texas tend to pay more for car insurance than men do for most of their lives. Even in the relatively calm 35 to 50-year-old group, women in these key states are paying an average of 2 to 5% more for insurance than their male counterparts.

Overall, young drivers, teens especially, are four times as likely to be involved in motor vehicle accidents as any other group. According to the Centers for Disease Control, teenagers are more than three times as likely to die in a car crash as older drivers are. Car accidents are the leading cause of death for teenagers, amounting to one in three fatalities from all causes.

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Decisions, Decisions

Parents, whose children are about to become licensed drivers, recognize that properly insuring their son or daughter is about more than just making a major financial decision. While auto insurance is an expensive necessity, there are considerations other than price that should be weighed when shopping for car insurance.

Driver safety and the well-being of the young drivers and their passengers are of paramount importance when obtaining auto coverage for new young drivers. Accident, injury, and fatality statistics for this age group are staggering.

There are a number of secondary considerations to take into account when shopping for car insurance for young women or young men.

While it may sometimes be necessary for a young woman or man to purchase a separate auto policy, it is generally far less expensive for parents to add younger drivers to their own policies. There are a number of reasons for this discrepancy.

First, younger drivers are often full time students and don’t have or need to have the use of an automobile on a regular basis. Other students are away at college without a car of their own. These young people will still be insured when they come home on school breaks and vacations, but their parents will pay far less for coverage. Bottom line, part-time drivers will be cheaper for parents to insure.

Parents with good driving records and who are long-term customers of a particular auto insurance company are much more likely to get better premium rates than brand new drivers looking to insure themselves for the first time.

Long term insurance customers are eligible for bundle discounts, having home and auto or other insurance policies with the same provider. Long-term customers also enjoy safe driving discounts that aren’t available to new drivers. Many insurers now offer accident forgiveness, paying out a claim on a minor accident without raising premium rates, for clients with a clean driving record.

Some insurance carriers offer a forgiveness benefit every few years. Other car insurance companies like Allstate Insurance, offer semi-annual or annual rebates for customers who keep their records clean by avoiding accidents and traffic citations.

If however, your student driver intends to take a car to school and will drive on a regular basis, you may want to consider buying your daughter or son their own policy. Either way, comparison-shopping is usually the best way to find and sort out all available car insurance choices and options.

Find the best auto insurance rates in your state for young drivers by putting your ZIP in the FREE box included on this page!

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