How can I find the best car insurance for women?

The best way to find an affordable auto insurance policy as a woman is to shop around and compare rates. Drivers can also save by taking advantage of discounts, keeping their driving record clean, lowering coverage limits and raising their deductibles.

Do women pay less than men?

Young women tend to pay less than young men on average for car insurance. That is because insurers view young women as less likely to get into an accident. However, older women have slightly higher premiums than older men on average. Overall, gender plays a very minimal role in determining your auto insurance cost.

Why is gender used when calculating insurance premiums?

Like other factors, such as your age and credit score, gender is one factor that insurers may use to make statistical predictions about how likely you are to get into an accident. For example, young men tend to be slightly more likely than young women to need to file an insurance claim. That said, gender is just one factor among many, and it usually doesn’t have too big an impact on your premium.

Why do women have cheaper premiums?

On average, insurers view women as slightly less likely to get into an accident than men. In practice, however, factors like your driving history, age and even your credit score may play a more significant role in how likely you are to file a claim.

Car Insurance for Women: How to Get the Best Cheap Car Insurance

Name: Car Insurance for Women: How to Get the Best Cheap Car Insurance
Item: Car Insurance for Women: How to Get the Best Cheap Car Insurance
Author: Margaret Wack

Shopping around for car insurance and getting multiple quotes is the best way to find cheap car insurance as a woman. Drivers can also maximize the use of discounts to lower their costs. While women may get a slightly lower premium than men on average, gender is not a major factor when it comes to auto insurance costs.

ByMargaret Wack

Edited byKathryn Schroeder

Contribution by1 expert

ByMargaret Wack

Edited byKathryn Schroeder

Contribution by1 expert

Updated: September 19, 2023

Advertising & Editorial Disclosure

About Margaret Wack

Margaret Wack is a freelance writer who covers insurance, saving, investing, banking and more. Margaret earned a bachelor's degree in classics, comparative literature and poetry from Smith College and a master's degree from St. John's College.