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 9, 2020

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Key takeaways...

  • In general, females are considered to be safer drivers than males
  • Insurance use set criteria to determine coverage eligibility
  • Drivers with poor driving records are considered high-risk drivers

Car insurance companies like to offer women car insurance quotes. They prefer to offer insurance policies to female drivers because, as a rule, they are seen as the more careful drivers on the roads.

Women may be surprised to know that they can search for women car insurance only.

Several reasons exist for this belief. To find car insurance quotes for women, enter your zip code into our FREE search!

Table of Contents

Car Insurance for Women

Insurance companies are looking for people who are the least likely to need to use the insurance.

The reason is that people who file a lot of claims with an insurance company cost the company the most money.

When women drivers apply for a new car insurance policy with a new company, the insurance company will determine how likely they are to file a claim.

One way they can decide this is by looking at a driver’s demographics and their driving history.

Several criteria will be of interest to an insurance company such as:

  • Gender
  • Age
  • Number of tickets for moving violations
  • Number of at-fault car accidents
  • Numbers of serious driving offenses
  • How many claims they have filed in the past,
  • Type of vehicle to be insured

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What the Data Means to the Insurance Company

When insurance companies see that potential clients have several points on their driving records for speeding, reckless driving, at-fault car collisions and DUIs, they are seen as dangerous drivers who take risks.

Therefore, they believe that it is highly likely for a person with the driving record described above to be involved in a car accident.

The type of vehicle applicants drive tells auto insurance companies about how much money they will be paying to repair or replace the vehicle if it is involved in a car collision.

More expensive vehicles cost more to repair and they certainly cost more to replace.

A person who has a bad driving record and also has an expensive vehicle has two strikes against him in an insurance company’s eyes.

Males Have the Highest Incidences of Automobile Collisions

Applicants who are male are known to be the biggest risk takers especially those who are under the age of 25.

The insurance companies know this to be the truth and they charge these clients the highest auto insurance rates.

If they also have horrible driving records and they drive sports cars as males are known to do, they have the most difficulties finding auto insurance that can be considered to be reasonable.

The car insurance accident statistics present a clear picture as to who is most susceptible to being killed in an auto collision:

  • From the years 2000 to 2006, 12,479 males, drivers and their passengers aged 15-19, died in car collisions.
  • Only 6,579 females drivers and their passengers died in automobile accidents.
  • The numbers of teenage males who never wear their seat belts when they drive is equal to 12.5 percent.
  • The number of females who also stated that they never wear seat belts while driving their vehicles was a lower 7.8 percent.

Driving Trends for Women

As was mentioned above, auto insurance companies like those clients who do not take advantage of their insurance as often if at all.

Women tend not to have as many accidents as men and they file fewer claims.

When they do file claims, the damage has been shown not to be as severe as for the men’s vehicles; women are not involved in as many of the most serious accidents as men are.

The result of having more severe accidents is that men have had to have more vehicles completely replaced than women have.

Men have also had more serious injuries than women.

This means that insurance companies pay more for bodily injury and property damage claims for men than they do for women.

Auto insurance companies that eliminate men completely from their list of insureds significantly reduce their costs.

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How to Find Car Insurance Companies that Cater to Women

Women can find auto insurance companies who are looking for them by seeking car insurance for women from auto insurance brokers that specialize in this area.

When women compare their quotes, they must make sure that they are comparing insurance policies that are offering the same amount of coverage.

They will want to ensure that they seek women car insurance quotes for adequate coverage which will be for more than just a liability policy.

Extra coverage that women might like to include:

  • Collision
  • Comprehensive
  • Medical Payments
  • Uninsured/Underinsured Motorists

Female Status Does Not Benefit Everyone

Although just being female can mean that half the population will receive women car insurance quotes, this is not going to be the case for those females who have driving records similar to the men’s.

The advantage of being women is that they can receive women car insurance quotes which are, generally, better than those that men will receive.

As long as women can live up to the better reputation as less of a risk for car insurance companies, they will find several insurance companies willing to insure them for cheaper rates with a comparison search.

Doing a comparison search is easy when done through an online website; women can be comparing women car insurance quotes in a matter of minutes.

Enter your zip code below into our FREE search and save money by finding cheap car insurance INSTANTLY!

References:

  1. https://www.geico.com/claims/claimsprocess/accident-impact-on-rate/
  2. https://lifehacker.com/10-things-you-need-to-know-about-drivers-license-point-1536268897
  3. http://dui.findlaw.com/
  4. https://www.safeauto.com/state-insurance/pennsylvania-auto-insurance/philadelphia-auto-insurance
  5. https://www.cbsnews.com/news/7-of-the-deadliest-cars-on-the-road/
  6. https://www.allstate.com/tools-and-resources/car-insurance/what-is-comprehensive-auto-insurance.aspx
  7. https://www.progressive.com/glossary/uninsured-underinsured-motorist/