Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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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 Chris Harrigan

UPDATED: Oct 15, 2020

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Key takeaways...

  • Men are considered high-risk drivers when compared to their female counterparts
  • Risk is not just about how good of a driver you are
  • Men and women do have very sharp differences behind the wheel

When it comes to car insurance rates many pre-conceived ideas of cost exist and lower rates for women drivers is one that is almost always true.

There are exceptions to this rule but for the most part, women simply represent a much lower risk of filing an insurance claim as car insurance companies calculate premiums based on risk.

Of course, the risk is not just measured by the driver’s gender but also many other factors which can sometimes push a woman drivers car insurance premiums higher than a male friend.

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Risky Drivers

Auto insurance companies also factor in variables such the type of car, where you live, how the vehicle will be used, how much you expect to drive, any safety features of the car and much more to arrive at your final risk score which translates into your auto insurance rates.

Risk factor is not just about how good of a driver you are. It’s really about how much risk you present of filing a future claim that matters to a car insurance company.

Even who is at fault is such a minor piece of the formula.

Men and women do have very sharp differences behind the wheel and statistics published by organizations such as the Insurance Institute for Highway Safety always note key gender differences in driving statistics year after year including some as:

  • More men are fatally injured every year in car accidents than women
  • Women drive less than men
  • Women engage in safer driving than men (such as driving at speed limits, wearing a seatbelt and not driving under the influence)

The IIHS also reported in 2008 that out of the 37,261 reported accidents resulting in a fatality 71 percent of these had male drivers.

Industry research continues to show a big difference in gender risk begin the wheel so when comparing 2 identical car insurance applications women will most likely always be rewarded with lower car insurance quotes.

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How can women drivers find the best car insurance quotes?

Car insurance companies do offer better rates for women drivers but sadly they can not promote campaigns based on gender so you need to shop around.

First learn about the types of car insurance, popular auto insurance discounts available and always ask friends and co-workers from referrals.

Online car insurance quote comparison is one of the largest growing markets online so never underestimate the power of the internet to help you find the best car insurance rates for women drivers.

Most car insurance companies offer online quotes, many offer special internet rates and even more offer a wide range of auto insurance discounts.

Your type of vehicle is important also so never assume just because you happen to be a woman rates will be affordable. Much of the risk calculation is also based on what kind of vehicle is being insured.

Ready to compare car insurance quotes? Simply enter your zip code below to get started!


  1. https://www.iihs.org/iihs/ratings/TSP-List
  2. https://www.esurance.com/info/car/why-women-pay-less-for-car-insurance