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Women's car insurance

Is car insurance less expensive for women than men? Officially the answer is no, but in practice policies often work out cheaper. Here's why.

Is car insurance cheaper for women?

It's something that gets asked a lot – does car insurance for women cost less than it does for men? The official answer is no, but it's actually a bit more complicated than that. Women often end up having lower insurance premiums, but as you'll discover, it's more about the choices made by an individual.

Women are less of a risk for insurers than men

Insurers use complex statistical algorithms to calculate premium prices. This means they look at real-world risk levels and the evidence shows women are safer drivers than men. That's not to say that every female driver is safer than every male driver. But on average, more male drivers are involved in accidents each year.

Did you also know there are slightly more male drivers in the UK than women, at 53% of the total.? And here's a really surprising statistic – men are more than twice as likely to make a claim on their insurance, despite only driving 75 miles further a year on average. It's also a fact that men are also more likely to commit traffic offences as nearly 80% of motoring offences are recorded as being committed by men.

Can you get car insurance for women?

In a word, no. There used to be dedicated car insurance for women offering a discount for female drivers. However, a 2012 legal challenge resulted in an EU ruling that the practice was discriminatory. Insurers then stopped their discounted policies for women drivers and post-Brexit, the UK still follows this ruling.

So why the difference in prices?

Although insurance companies aren't allowed to apply a discount simply because someone is female – or charge more because they are male – it doesn't mean that men and women pay exactly the same for their car insurance. Men and women often make different lifestyle choices that insurers are legally entitled to consider when working out a premium.

The result is that car insurance quotes for women tend to be lower. In 2020, women paid an average of £719 for their car insurance compared to £810 for men.

How your choices can affect what you pay

In determining car insurance premiums, insurers consider all sorts of factors. These include the power and cost of the car, the driver's job, where they live, their history of claims and convictions and their voluntary car excess. Although companies aren't allowed to discriminate on the basis of gender alone, some choices will be closely associated with men or women. Let's look at some of these choices.

  • Car choice
    When it comes to buying a car, studies show that men and women look for different things. A recent survey found that women were 25% more likely than men to be influenced by a vehicle's fuel economy and 20% more likely to consider servicing costs.

    In contrast, men are 20% more likely to be swayed by a vehicle's colour and 40% more likely to consider a manufacturer's reputation. These factors often mean men choose more expensive, powerful cars while women opt for compact, practical vehicles.

    Insurers charge more to insure more powerful, expensive cars, which means the average man pays more for car insurance than the average woman.
  • Career
    Insurers look at an individual's job when they're working out premiums. Jobs that put up premiums the most include male-dominated professions such as footballers, construction workers, a security guard and entertainers (like musicians).

    Lower premiums are charged for roles that are associated with office-based work and more steady daytime hours. These include clerical roles, local government staff and teaching. These jobs tend to be more female-led.

    There are plenty of roles that attract lower premiums but are male-dominated, for example farm work and policing. On the whole though, working in a female-dominated industry may result in lower premiums.
  • Criminal record and claims history
    To work out car insurance premiums, a driver's record of convictions and claims is considered too. As we've seen, men are responsible for 80% of motoring offences. Research also shows that men are twice as likely as women to break the speed limit.

    Insurers look at criminal convictions, claims history and the number of points on the licence when working out premiums. Once again, this means lower premiums for the average woman.
  • Age
    This is a really simple one – the younger you are, the more your insurance premiums will cost. Statistically, women are more likely to pass the theory part of the driving test than men (58% of women pass compared to 53% of men), but more women fail the practical element of the driving test than men (47% of women pass compared to 53% of men).

    As women tend to be slightly older when they start driving, they avoid some of the very highest premiums that apply to young drivers. However, first-time drivers can often lower their insurance costs by using telematics insurance.

How to cut the cost of car insurance for women

Whether you're a man or a woman, there are a few things you can do to bring down the cost of your car insurance:

  • Consider where your car is kept overnight – a secure garage is best and may mean cheaper premiums.
  • Choose a low-crime area – if you're thinking of moving, you'll pay more in neighbourhoods with high crime rates.
  • Increase your excess – choosing a higher voluntary excess will help to reduce the overall cost.
  • Build up your no-claims discount – the longer you go without making a claim, the cheaper your cover should be.
  • Use a telematics device – sharing your driving data with an insurer could help to reduce costs as you can get a more personalised premium.
  • Insure multiple vehicles – choosing a multi-car insurance policy can often be cheaper.
  • Improve your car's security – using immobilisers or other security devices can help to achieve a discount with your premium.

Does being married affect your car insurance?

Yes, it does. If you're married, you'll be seen as lower risk and this may result in lower premiums.

Which type of car insurance should you choose?

The type of car insurance you choose can also have an impact on the cost; whether it's third party, fire and theft or fully comprehensive. And whatever type you choose, you might not get a cheaper policy simply because of your gender. We want everyone to get the best value insurance, so get in touch today for a quote.

For more ways to save money on your car insurance, pop over to our handy guides now.

All information is correct at the time of publication. Hastings Direct cannot be held responsible for any misinformation displayed.

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