Fully comprehensive
A fully comprehensive car insurance policy will cover you for damage, repairs, medical expenses, fire damage and theft, as well as damage done to someone else, their car or their property
Car insurance for women
Compare car insurance for women
Save up to £514
Car insurance women - MT test
Are there specialist car insurers for women?
Not anymore. Some car insurance providers in the UK used to sell policies just for women.
These policies often offered cheaper car insurance rates as insurers considered women to be safer drivers.
But in 2012 the European Court of Justice (ECJ) ruled that this practice was discriminatory against men.
The UK has continued to follow this ruling post-Brexit.
Is car insurance cheaper for women?
Insurers cannot legally use gender as a factor when calculating premiums. Men and women with the exact same driving history and personal circumstances should be charged the same amount for car insurance.
However, the average price paid by women for car insurance is lower than the average price paid by men. This reflects general trends in how each group drives.
Women | Men |
|---|---|
£666.58 | £837.35 |
Although car insurance providers can no longer offer women-only products, some still tailor their marketing to women.
They include:
Diamond Insurance
Go Girl
Ladybird
Sheila's Wheels
Stella
Women are statistically more likely to have driving behaviours insurers consider lower risk.
For example:
Women as a group drive fewer miles than men
^ Women are less likely to have convictions or penalty points
^ Women have lower rates of past accidents and claims
^
What type of car insurance do I need?
There are three main types of car insurance:
-
-
Third-party, fire and theft
Third-party, fire and theft policies offer cover for other people, their vehicles and their property, as well as protection for your own vehicle if it’s stolen or damaged by fire
-
Third-party only
Third-party only car insurance is the least comprehensive type of cover available, and it’s the minimum legal requirement to drive on UK roads. It’s also usually the most expensive of the three
What is covered by my car insurance?
Individual policies vary but here’s what you can usually expect from a comprehensive policy:
-
What's covered
Damage to your car: From an accident, fire, vandalism or a natural disaster such as storm damage
Theft of your car: you'll get a replacement vehicle if yours is stolen
Third-party damage caused by your vehicle: You’ll be covered for damage you cause to a third party, their vehicle or their property
Personal injury: Offers compensation if you’re seriously or fatally injured in a road accident
Windscreens: You’ll often be able to claim for a windscreen repair or replacement if you get a windscreen chip or a cracked windscreen
Third-party medical expenses: If you cause an accident, the cost of medical treatment for each person injured in the other vehicle
Legal expenses: Pays out for legal costs related to a claim
-
What's not covered
Wear and tear: Normal wear and tear on your car that's expected over time, such as brake pads and tyres needing to be replaced
Invalid driving licence: If you or another named driver is driving without a valid licence (e.g. if it's out of date), you won't be covered
Driving under the influence: Anything that occurs while you are driving under the influence of drugs or alcohol will not be covered
Additional drivers: If a person is not a named driver on your policy, it is unlikely that they will be covered
What car insurance add-ons are available?
You can usually add the following options onto your policy for an extra cost:
-
Breakdown cover
Pays for the cost of calling out a mechanic if your car breaks down
-
Courtesy car cover
Your insurer will provide you with a replacement car when yours is in for repair
-
Windscreen cover
Pays for the cost of repairing or replacing a cracked windscreen
-
No-claims discount cover
Lets you make a certain number of claims without wiping your no-claims discount
-
Personal belongings cover
Protects items you leave in the car, as long as they’re not on display
-
Child car seat cover
Replaces your child's car seat after a collision, even if there's no visible damage
Do young women pay less for car cover than young men?
Statistically, young men are riskier drivers than young women or older motorists. Government data from 2023 shows that male drivers under 25 are four times more likely to be killed or seriously injured on the road than drivers over 25.
But since insurers can price by age but not by gender, they ended up spreading that risk across both sexes. Younger women have therefore been disproportionately impacted by the ECJ's gender-equality ruling.
Cost of under 25s car insurance:
£1294^
This is the average price in 2025 of fully comprehensive policies for male and female drivers who were younger than 25 years old when they took out the policy.
📣 Did you know?
The Treasury’s Impact Assessment in 2012 predicted that the new law would cause younger women's premiums to rise by up to 25% a year, while young men's might fall by 10%.
How can young women get cheaper car insurance?
Younger people with good driving habits can bring costs down by taking out telematics insurance. Also known as black box insurance, this type of policy tracks how you drive and rewards careful habits with lower premiums.
How can women get cheaper car insurance?
Women and men can cut their car insurance costs in the following ways:
-
Drive a safe car
Choose a car in a lower insurance group, as they’re safer on the road and so often cheaper to cover
-
Invest in security
You’ll save a lot of money by parking your car off the street or in a garage, and by using features such as an immobiliser
-
Increase your excess
Asking for a higher voluntary excess should reduce your premiums, because it shows you’ll only make a claim when you really need to
-
Reduce mileage
The less you drive, the less you often pay – because you’re less likely to be in an accident. Consider a low-mileage policy
-
Add a named driver
Adding a named driver can reduce premiums if they are more experienced than you (e.g. putting a parent on a young driver's policy)
-
Drive carefully
One of the biggest factors affecting cost is your driving history. If you go years without making a claim, your premiums will fall
-
Telematics
Using telematics or ‘black box’ insurance means your premium is based on how safely you drive
-
Pay annually
Paying annually costs significantly less overall than if you were to pay monthly instalments
What types of specialised car insurance policy can I get?
As well as standard comprehensive policies, we can help you find specialised types of policy for specific circumstances, including multi-car insurance and short-term cover:
-
Business use
Standard car insurance won't cover business use, so you need a special policy for work vehicles
-
Short term cover
This lets you take out temporary car insurance from anywhere between a day and a few months
-
Multi-car policies
This car insurance type gives you the option of adding more than one car to your policy
-
Telematics
Get the chance to bring your costs down by installing a black box, which monitors your driving habits.
-
Learner drivers
If you’re learning in your own car, learner driver insurance provides cover while you’re practising to pass your test
-
Over 50s
Some providers offer tailored car insurance for drivers over 50, so it’s worth comparing the whole market
-
New drivers
All drivers, including newly qualified drivers, are required to have car insurance when driving on the road
Compare car insurance from 185^ insurers
We gather up-to-date quotes from the UK's most trusted car insurance providers, so you can compare policies on price, Defaqto ratings and more.
Why should I compare car insurance quotes with MoneySuperMarket?
-
Save money
Save up to £514
^ on car insurance. Plus, we price match and will give you £20 if you find a cheaper deal^ -
Earn rewards
Buy through us and get up to £15
^ , plus other SuperSaveClub rewards -
We're trusted
All the insurers we work with are authorised and regulated by the Financial Conduct Authority (FCA)
-
Rated 4.7/5 on Feefo
We're also the UK's most recommended price comparison website
^
Our expert says…
Although legally insurers can no longer use gender as a factor when calculating premiums, you’ll still find insurers who target women with their marketing by offering things like ‘handbag cover’. How much they cover if your handbag is stolen from your car can vary between insurers so check the small print. Another add-on is child car seat cover, which might also include a pushchair, buggy, or accessories.
Sara Newell Motor & Home Insurance Expert
Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
Why are there specific car insurance companies for women?
There are no car insurance companies just for women in the UK. This was made illegal by the 2012 ruling from the European Court of Justice.
However, there are car insurers that heavily market themselves towards women. These providers largely originated before the 2012 ruling.
These companies must offer car insurance to men, too.
Do car insurance policies aimed at women offer different benefits?
Providers that mostly market their car insurance to women often highlight specific benefits or add-ons they feel will particularly appeal to female customers. These can include handbag cover, child seat cover, and pram or buggy cover.
Car providers that do not specifically market towards women often also offer similar add-ons and extras.
Since car insurers cannot legally treat men and women differently, all cover inclusions and add-ons will be available to all customers.
What is the EU car insurance gender ruling?
In December 2012, a ruling on equality from the European Court of Justice came into effect. It banned insurers from taking gender into account when calculating insurance premiums.
This ruling did not just affect car insurance. The cost of buying a pension annuity was also impacted. In that case, it was men who lost out. Since women tend to live longer, insurers used to make it more expensive for them to buy an annuity.
Will car insurance cover my handbag, luggage and other personal possessions?
Car insurance can include personal possessions cover, which will pay out if your belongings are stolen or damaged while in your car.
Personal possessions cover is not always included as standard. You can often purchase it as an add-on.
There is usually a limit on how much you can claim. Up to £200 for a handbag is common, for example. There may also be other restrictions such as you must have locked the car and kept your belongings out of sight.
If you want to fully cover your more expensive personal items, such as a phone or laptop, a better option may be to take out a separate type of insurance. You could look at specific personal possessions cover or gadget insurance.
Can I add family members to my policy?
Yes, you can usually add family members, such as your partner or child, to your car insurance policy.
However, it's important to note that named drivers can impact your premium. For example:
An older, more experienced driver: could lower your premium
A newly qualified young driver: could push your premium up as they’re considered higher risk
Is black box cover good for female drivers?
Telematics cover involves your insurer monitoring your driving habits and adjusting your premiums according to how you drive. They do this through one of three types of telematics tech – either a black box (the most common) installed under your dashboard, a plug-in device or an app on your smartphone.
Black box insurance offers the most benefits to drivers who belong to a high-risk group but drive in a low-risk way. Examples of groups considered high-risk by insurers are young people (under 25) and drivers with convictions. Women who fall into these groups may benefit from telematics insurance.
If you already belong to a lower-risk group, you may not see much difference in your prices by installing telematics.
How does MoneySuperMarket create and review the content on the website?
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is car insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy car insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is car insurance eligible for Price Promise?
Yes, car insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £20
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 12 Dec 2025 by
51% of consumers could save up to £514.27 Consumer Intelligence , Oct 2025 Exc NI, CI, IOM
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Based on the median annual price of car insurance policies sold through MoneySuperMarket in January 2025 where the main driver was female.
Based on the median annual price of car insurance policies sold through MoneySuperMarket in January 2025 where the main driver was male.
T&Cs apply to SuperSaveClub and Price Promise.
SuperSaveClub restrictions and T&Cs apply. Click here for details.
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Source: Department for Transport National Travel Survey England 2021. Data sourced October 2025.
Sources: Gov.uk GB Driving Licence Data. Gov.uk Statistics on Women and the Criminal Justice System, 2021.
Data sourced October 2025.
Sources: Admiral, 'Car insurance for men and women', 2022. RAC 'New report reveals that male drivers are three times more likely to be in road collisions with pedestrians', 2022.
Data sourced October 2025.
Based on the 10th percentile of monthly premiums our customers were quoted per month for dog insurance based on quotes created on MoneySuperMarket between September 2025 and November 2025 where only 1 pet was included in the quote.
Accurate as of 12 December 2025.
Based on the 51st percentile of comprehensive for under 25 aged policyholders car insurance policies sold through MoneySuperMarket in the month of October 2025.