Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Oct 30, 2020

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As you can imagine, shopping around for car insurance for women is almost the same as shopping around for car insurance for men. Even though the process may be similar, the cost of automobile insurance coverage for females is usually much cheaper and more affordable than insurance for their male counterparts.

Most men just love to make jokes about “women drivers”, but it seems that it is the same “women drivers”, that end up having the last laugh when it comes to receiving low auto insurance rates. It is indeed the fairer sex that pays less for insurance rates than any other driver on the road today.

Several car insurance providers offer policies specifically designed to cater to women drivers. These companies claim that they are able to offer low auto insurance rates with better coverage options because of the superior driving record that women have overall. It is their view that because women present less risk on the road, they should be rewarded with less expensive auto insurance premiums.

These discounts, of course, are dependent on many different factors used by automobile insurance companies to calculate an individual’s liability and risk behind the wheel. How you score on these factors that the insurance companies look at will help determine your auto insurance rates. The gender of the person buying the insurance policy affects the insurance rates ‘a little bit’, but again, that’s not to say that a little bit of savings can go a long way. In fact, in general, women pay less more men for auto insurance just for being women.  It requires no extra effort on their part.

Is This Fair Or Is This Gender Discrimination?

So is the insurance practice of discounting women drivers auto insurance rates justified? If you believe today’s statistics it seems that it is in fact entirely justified. Statistically, men commit more motor vehicle-related crimes than women. Men are also less likely to pass their drivers exam the first time around, and men cause more monetary damage when involved in an auto accident than women. So, by all means, men’s auto insurance rates should be higher to cover the risk they present to insurance companies.

When taking these figures into account, it seems justifiable that women should receive low auto insurance rates. However, just because a particular insurance company markets primarily towards females, it doesn’t necessarily mean that their rates are less expensive than insurance providers who market to all drivers.

The insurers, who focus primarily on female drivers, may attempt to attract business by offering several unique incentives that target women, such as priority roadside assistance, and mobile phone locator services.

While this may seem unfair to some people (mostly men), and possibly even sexist, the fact remains that women pose less of a financial risk to the insurer, and thus are rewarded for it. Women are not only far less likely to be involved in a collision or fender bender, but also, despite the stereotypes, women, statistically speaking take much better care of their cars and are actually better drivers.

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Car Insurance Discounts Available To Women

There’s no need to request or apply for this “female discount”, as it’s automatically figured into your premium solely for being a woman. To get a quote from many of the best auto insurers in the country, with this discount already factored in, as well as many others, all you have to do is enter your zip code in our form above and provide some very basic information in our three-page form. The information you provide in this short questionnaire will be used to calculate your auto insurance premium, and you’ll instantly have dozens of custom-tailored quotes at your disposal.

Other Things To Consider

  • For the women that are less mechanically inclined, and men too for that matter, 24-hour roadside assistance could come in very handy when you find yourself in the worst of situations, without knowing how to get your car back on the road.
  • Married women should also inquire about marriage and domestic partner discounts. This forces the insurance company into offering equal discounts to your spouse.
  • Women drivers will pay up to 30% less for their auto coverage when compared to men with similar driving records. Girls that are just getting behind the wheel for the first time appear to be getting the most significant savings, but it’s more likely that young boys are much more reckless when they first start driving.

So, as a woman who is shopping for low auto insurance rates, instead of merely accepting an auto insurance quote from only one provider, you should definitely compare rates online. You can do this through an auto insurance comparison website (like your’s truly) to receive a more complete overview of the market. This research will help you to find the right deal for you. Searching specialty companies for women drivers is certainly in your best interest when it comes to finding the very best rates and policy for your needs, but not the only way to go.

In Conclusion…

As drivers age, and have time to build their driving records, the gap in premiums between men and women shrink. Bad drivers will ultimately pay more, and responsible drivers will ultimately always pay less for their coverage.  But women drivers, as we have learned above, will always pay less.  If you are a female driver and want to see how much you stand to save on your insurance rates, scroll back up to the top of this page and start filling out our quote form.