Do women have cheap car insurance rates?

Women have cheaper car insurance rates than male drivers, but the cost of auto insurance ultimately depends on your driving record, the kind of vehicle you drive, and where you live. Enter your ZIP code below to find cheap quotes for women auto insurance coverage and compare them with free quotes from local companies.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

UPDATED: Mar 14, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right cheap car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Written By: Tonya SislerReviewed By: Brad LarsenUPDATED: Mar 14, 2022Fact Checked

Women pay less for insurance, especially in the younger age groups. Is this gender discrimination? Alternatively, is it justifiable? Insurance companies rely on complex methods to calculate car insurance premiums, and account for many other factors besides gender. However, each insurer places a different weight on certain factors, and a driver’s gender may carry significant weight depending on which insurance company she chooses.

Compare Car Insurance Quotes

Women and Car Insurance

Insurance companies drive their premium calculations by numbers, and according to accident fatality statistics, things look better for females than they do for males. According to data assembled by the National Highway Traffic Safety Administration, overall traffic fatalities have decreased each year for the past five years. The bad news for men is that they accounted for 70 percent of all traffic accident fatalities in 2009.

Age also plays a part in insurance rates, in addition to gender. In all age groups above 15 years old, males have a higher accident death rate in car crashes than females, according to statistics reported by the Insurance Institute for Highway Safety.

There is also speculation, although unproven, that female personality traits such as risk aversion, desire for fairness, unwillingness to negotiate, and a desire to accept lower payouts sooner rather than wade through red tape for a riskier chance at a higher payout create less expense for insurance companies and may place females in lower premium categories.

Changing Status

Men tend to engage in riskier driving behaviors and generally drive more aggressively, drink more, drive more miles per year, and drive without wearing a seatbelt more often. All of these behaviors increase the risk of being involved in an accident, which raises premiums.

However, according a research team at Johns Hopkins Schools of Medicine and Public Health, part of the reason men seem to fare worse in accident statistics is because of the methods for analyzing data. When statistics on female crash fatalities use the number of crashes per million miles, and annual average miles driven per driver, the numbers start to get closer together. Statistics usually only consider fatalities and accident rates. The results showed teenage boys have approximately 20 percent more crashes for each mile driven than female teenagers. Males and females in the 20-to-35 age bracket have about the same number of crashes per mile driven, and over age 35, females actually showed a significant increase in crashes per mile driven over males.

Do Car Insurance Companies Favor Women Drivers?

The debate seems to be heating up about women’s insurance rates and whether males are suffering from gender discrimination in insurance. According to new legislation in Europe, insurance companies have unfairly charged young men higher prices since on average they have higher incomes than women do, rather than anything based on accident or other driving-related statistics. A ruling goes into force in December 2012, which will remove the ability of insurance companies to use gender information when calculating insurance rates for their customers. Debate continues in the European Union on whether the outcome makes sense, on the basis that statistically, males still have a greater chance of dying in a car accident than females.

Primary Insurance Rate Factors

Women may theoretically have lower car insurance premiums, however, many other factors determine rates besides gender. For example, the state a driver lives in plays a part in determining her car insurance rates. Each state sets its own insurance limits and legal requirements, which causes premiums to vary by state, sometimes substantially.

The type of car a woman chooses to drive can have a significant effect on premiums that overrides any discount given for being female. This goes both ways, since minivans and some SUVs are the least expensive cars to insure, and many women drive these cars. Conversely, women do drive sports cars as well, and luxury sport coupes can cost $1,000 to $2,000 more per year in insurance rates than a minivan.

Secondary Insurance Rate Factors

Whether male or female, driving history factors into drivers’ insurance rates as well, and every point on their record pushes insurance rates higher. Some violations add more risk than others in the eyes of insurance companies, however, even one point from a minor traffic violation causes the insurer to see drivers as higher-risk. DUIs and a penchant for fast driving are not uniquely male, and if a female driver has a DUI, an excessive number of points, a license suspension or a cancellation from a previous insurance company, these additional items could dramatically increase her insurance rates as well.

Insurance Comparison

The California Department of Insurance provides a tool to estimate insurance costs based on a “theoretical person” profile. When running the tool for a male and female separately, the results came out as follows: Based on a driver profile for full coverage insurance, (liability plus comprehensive and collision), licensed 16 to 40 years, driving 7,000 to 10,000 miles per year, clean driving record (no points), driving a Honda Accord and living in Irvine, CA. The premium comparisons for a few of the larger insurance companies follow:

Male profile:

  • 21st Century: $1,332
  • Geico: $1,525
  • State Farm: $1,427
  • AAA: $1,409
  • Esurance: $1,408

Female profile:

  • 21st Century: $1,272
  • Geico: $1,501
  • State Farm: $1,427
  • AAA: $1,407
  • Esurance: $1,368

Since each insurance company uses its own internally developed statistical models to calculate premiums, and chooses which risk factors to focus on the most, it appears some companies may weight gender as more important than other insurers do, in the state of California.

What is the Average Annual Cost of Car Insurance?

All gender issues aside, annual insurance costs vary between states regardless of who the driver is, and according to a car insurance premium index assembled by, the average insurance nationwide comes out to $1,433 per year. To illustrate the range between states, the lowest-cost car insurance states are Iowa, at $690 per year, and Vermont at $901 per year. The highest insurance premiums exist in New York and New Jersey, at $2,703 and $2,347, respectively.

Cheap Car Insurance for Women

Finding cheap insurance is much easier, and takes less time, than it used to thanks to the Internet. Many companies offer free quotes on their websites, with some available in less than six minutes. Additionally, other sites such as provide quotes for several companies to make searching for the right insurance policy even more efficient. Some of the larger insurance companies, such as Allstate, offer information on their websites regarding discount opportunities, how to qualify for them, and provide a rate calculator to run scenarios with different drivers and various discounts.

Compare Car Insurance Quotes

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

Full Bio →

Written by Tonya Sisler
Insurance Writer Tonya Sisler

Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

Full Bio →

Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

secured lock Secured with SHA-256 Encryption