Cheap Auto Insurance for Women

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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...

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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...

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Reviewed byBrad Larsen
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UPDATED: Mar 13, 2020

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In a nutshell...
  • Women are generally safer drivers than men
  • Men drive a lot more than women
  • There is no bonus or discount given merely based on gender

Car insurance companies base car insurance rates on risk, and when anyone is considered a lower risk of filing a claim, they will benefit from lower car insurance rates.

When it comes to comparing drivers of different sexes women almost always win with lower car insurance rates.

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Why are women classified as low-risk drivers?

Both car insurance companies and independent groups like the Insurance Institute for Highway Safety compile and analyze a wealth of data through various reports to forecast the gender risk element.

In 2009, the IISH concluded that men:

  • Drive More than Women
  • Engage in riskier driving then Women
  • Have more severe crashes than Women

In short, the risk of a woman driving a vehicle has less statistically quantifiable risk than a male driver given the same car, same driving record, and same overall application profile.

Male drivers also tend to commit more auto-related crimes than women drivers and even the simple task of passing a drivers license test women drivers excel far more than men the first time around.

Drivers can save $859/yr* by comparing car insurance

*based on a survey of 1,000 car insurance customers

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Why do women have cheaper rates?

Women are safer drivers statistically. In fact, it would be discriminatory to selectively apply lower car insurance rates for women solely based on gender.

The reason for the lower car insurance rate for women is due to research proving a lower potential risk of a woman fling a claim vs. a man.

If these statistics change, you will be sure to see women drivers’ car insurance rates increase. Enter your zip code below to get FREE car insurance quotes today!

References:
  1. http://www.iihs.org/
  2. https://www.thebalance.com/how-to-get-your-driving-record-527249
  3. https://www.thebalance.com/filing-auto-insurance-claim-2645925

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