Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 18, 2020

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Key takeaways...

  • Women usually pay less for car insurance than men
  • It’s a good idea to compare at least three different quotes before making a final decision
  • Many factors are considered when determining your monthly premium

As a woman driver you probably already expect to pay less for car insurance than male drivers, however, is this always the case?

Finding cheap car insurance for women drivers is not as simple as calling up and saying “I’m a woman – give me a lower rate”.

Car insurance rates for women drivers are based on a number of factors outside of gender. You can compare these factors among insurance companies for FREE by entering your zip code above!

Table of Contents

Car Insurance FAQ

Car insurance risk is based on how likely a driver is to submit a future claim.

The formula for calculating this risk (which corresponds to the premiums you pay) is unique to each company, however, there are some common factors, which influence in the final calculation of your auto insurance rates.

Some of these common variables are:

  • The type of vehicle
  • Where you live
  • Marital status
  • How often you drive the car
  • Driving record
  • Credit score

While most men will agree female drivers tend to look much better behind the wheel of a sports car any “higher risk factor” to some of the points above can possibly cause a female driver to have higher rates than some male drivers.

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How do I find the cheapest car insurance for a woman driver?

Shopping for car insurance is not same as shopping for a new dress or new pair of shoes. it’s important that you compare at least three different quotes and understand the details of a car insurance policy.

Car insurance comparison is really important. Not only do you need to compare car insurance rates, but you also need to compare policy details such as:

  • Types of coverage
  • Policy deductibles
  • Policy limits
  • Car insurance discounts
  • Claims process

Odds are you may never submit a major car insurance claim but if you do then you need coverage which will protect you, your vehicle and passengers around you.

Who has the best car insurance rates for women drivers?

Since car insurance companies do not discriminate based on sex (they all offer policies to both male and female drivers) you probably have a wealth of car insurance companies to choose from.

Your job is to find a company who provides reliable coverage with the level of customer service you need and a reputation for being there at the time of an accident.

The company who has the best rates will ultimately depend on your unique needs so shop around and compare.

Insuring Women vs. Insuring Men

Men love cars. This is a general statement but also a very true one. Women seem to like the color of the car and the interior benefits more than performance.

Men, on the other hand, love the thrill and adrenaline they get from fast speeds and heavy performance engines.

Men are simply more likely to add performance parts to improve the power of their engines and make their car sportier.

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Car Accidents

Car accidents can happen to any driver; however, it has been proved through data analysis that men drivers have are more often involved in car accidents than women.

Women and men are considered as equals.

The rates are simply higher for men because they are a bigger risk for insurance companies.

Young Women

A new female driver and young women drivers pay a little more until they get a few years of driving experience.

This is a precaution taken by insurance companies which normally last 2 years.

After a young driver has at least 2 years of experience behind the wheel, this penalty is usually removed.

Shopping for Insurances

It is very important to shop around when looking for an insurance company. This way you can compare estimates and decide to go with the company who offers the best rates and benefits.

You can even get estimates online for free on certain websites. Some insurance companies even give discounts to people who signed up with them online.

Make sure that you pick a coverage plan that will meet all of your needs.

If you get the lowest insurance plan available and you get into a car collision, it might not necessarily be covered by your policy.

It is important to really take the time to choose the best plan for you and your vehicle.

Remember, it may seem like a lot of money now, but it is nothing compared to losing your car and not being covered by your insurance plan.

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Comprehensive Car Insurance

Depending on the value and year of your car, it may be a good thing to get comprehensive car insurance. Comprehensive insurance will cover any damage not caused by a car collision.

This will normally include:

  • Hitting an Animal
  • Broken Windshield
  • Scratches
  • Dents
  • Other non-collision damage

There is, however, a downside to getting comprehensive coverage; there is a first claim deductible.

What that means is that the first time you file a claim with your insurance company, you will have to pay 500$.

Once it is paid though you can file many claims without paying a penny out of your pocket. It is not always exactly 500$ depending on each insurance provider however it is for most.

That is another great why you should shop around for the best rates rather than committing to the first estimate you get.

Is your car worth the extra fees?

Now that you know the different plans and types of coverage, you have to really think it over.

Do not be shy when shopping for rates; get as many estimates as possible to really get the best coverage rates available. When buying insurance for expensive cars, you should always try to get the most coverage.

Settling for cheap car insurance might seem nice at the time but if you ever get in a car crash, you will probably regret it.

If the car you are planning on insuring is not very valuable and you could easily afford a new one; then you should probably getting less coverage such as removing the comprehensive car insurance.

The best way to saving money is being ready and knowing what you are dealing with.

If you’re ready to find cheap car insurance rates for female drivers, enter your zip code below and start comparing for FREE!

References:

  1. https://www.myfico.com/credit-education/credit-scores/
  2. https://www.esurance.com/info/car/why-women-pay-less-for-car-insurance
  3. https://www.geico.com/save/discounts/car-insurance-discounts/
  4. https://www.progressive.com/claims/
  5. https://www.acceptanceinsurance.com/our-products/auto-insurance/teenager-auto-insurance/
  6. https://www.allstate.com/tools-and-resources/car-insurance/what-is-comprehensive-auto-insurance.aspx