You may have heard that car insurance for women is lower than for men, and while this is the case for some, it’s not a universal truth. There are certain scenarios in which ladies car insurance can cost more than car insurance for men, and in some states, gender is no longer allowed to be considered as a deciding factor in determining car insurance rates.
If it sounds a bit convoluted, that’s because the whole insurance market is exactly that! But don’t sweat it: We’re going to tell you everything you need to know about getting the best car insurance for women.
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Fundamentally, car insurance for women is no different than car insurance for men. The coverage options are the same, it’s just the price may—or may not—be different.
The price discrepancy between car insurance for women and men is most noticeable when we are talking about the difference between getting car insurance for young female drivers and getting the same insurance for young male drivers, who are notoriously high-risk on the roads. And when we say car insurance for the young drivers, we’re talking about teenagers. Insuring your teenage daughter can cost hundreds of dollars less per year than insuring your teenage son.
As you get older, however, car insurance for women can cost just as much—and sometimes more—than car insurance for men. It’s not necessarily because women are being discriminated against (women still are statistically less likely to get in accidents), rather, the rates are determined based on a variety of factors individual to and set by insurance providers, and some of these variables are…well, unclear.
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As you may have guessed, the cost of car insurance for women varies significantly based on all the variables mentioned above. Your best bet is to get car insurance quotes for women to see which provider and price are right for you.
This said, if you’re looking for an idea of what you might expect to pay, we’ve prepared a table of some average rates below.
| Female, unmarried, non-homeowner, age 18 | $4,682 annually |
| Male, unmarried, non-homeowner, age 18 | $4,522 annually |
| Female, unmarried, homeowner, age 30 | $1,136 annually |
| Male, unmarried, homeowner, age 30 | $1,038 annually |
| Female, married, homeowner, age 70 | $838 annually |
| Male, married, homeowner, age 70 | $798 annually |
So, as you will see, ladies car insurance actually costs more than men’s, but again, this won’t always be the case—and if your car insurance is higher, it may have more to do with your driving record, insurance history, how much you drive and where you live than your gender.
You can request a fast and free quote from us today to get the best car insurance for women. We’ve curated a list of the providers who offer the most affordable rates, so you can get a quote with peace of mind that you’re getting great coverage at a great price.
Gender is becoming less and less of a determinant when it comes to getting car insurance. Yes, sometimes female car insurance will cost less but sometimes it will cost more. If you want to get the best car insurance for women, do your homework and get a quote.
Start here, with us. Request a car insurance quote for women now. We’ve handpicked the best providers of car insurance for women and will match you with the perfect provider, saving you not only money but time.
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Yes, it does, but over time and with a good driving record, the cost will decrease. You can also take advantage of good student discounts, safe driving course discounts and safety feature discounts to reduce your rates right away.
Usually, within three to five years of maintaining a good driving record.
Margaret Huntley Margaret Huntley is a creative writing and philosophy student at Western University. She has been working as a freelance writer for over two years and has written about everything from insurance, to poker, to health and wellness for international businesses.
