Car Insurance for Women

Compare female car insurance quotes online

By Peter Carr Tuesday 16 January 2018

It used to be the case that women paid less for their car insurance than men, but gender can no longer be taken into account by insurers.

woman standing in front of a car in a sunset

Cheap car insurance for women

Since a European Court of Justice (ECJ) ruling was enforced in 2012, insurers are no longer allowed to take gender into account when quoting the cost of car insurance. Prior to the ruling, insurers could offer cheaper car insurance to women because, statistically speaking, female drivers were found to be safer than men and therefore less likely to make a claim.

And although insurers cannot offer car insurance premiums based on gender, some insurers still specialise in car insurance for women.

Women drivers and the EU Gender Directive

The cost of car insurance for women increased by 30% when the ECJ’s EU Gender Directive came into effect. This ruling prohibited insurers from using gender bias to offer women cheaper car insurance quotes.

Statistically, women were deemed better drivers than men and were rewarded with cheaper car insurance. That’s because figures show women have fewer accidents and make fewer claims: when women do claim, it’s typically for minor bumps rather than complete write-offs and the claims tend to be less expensive than those made by male drivers.

Men account for a massive 92% of all UK driving convictions and a staggering 98% of all convictions for dangerous driving, but this can no longer be taken into account by insurers since the European Court of Justice (ECJ) ruled in March 2011 that it was illegal to take gender into account when calculating premium prices.

However, the average price of car insurance for a woman in the UK is actually 11.5% cheaper than the average cost for a man. That’s according to MoneySuperMarket research, which found the average fully comprehensive annual car insurance quote for women was £522.19 – and £646.79 for men in December 2017*.

The price difference is due to other factors that affect car insurance premiums, such as the trend for women to drive less powerful cars and fewer miles than men.

Age is still a concern

While gender has been taken out of the equation, age is still very much a consideration when it comes to calculating the cost of women’s car insurance premiums, and it’s the under-25s who generally pay the higher prices.

Car insurance for young drivers under the age of 25 tends to be higher because they are statistically more likely to be involved in an accident and make a claim.

And it’s not just the number of accidents that’s higher, it’s also the severity: drivers under the age of 25 are involved in more than a quarter of all fatal crashes, despite accounting for just over 12% of the driving population.

Although male drivers under the age of 25 are considered to be the highest risk, young female drivers also face higher car insurance quotes since gender can no longer be taken into account. 

The EU Gender Directive has made it illegal for insurers to include any form of gender bias when calculating women's car insurance quotes

Find cheap car insurance for women

However, in spite of the EU ruling, there are still a number of ways to cut the cost of car insurance quotes for women:

  • The number of miles you cover each year affects the price of your premium, so if you can keep your annual mileage to a minimum, this may bring the cost down.
  • The likelihood of you your car being stolen is another factor. Things like how desirable your car may be to thieves, the area in which you live, and the security devices you may or may not have fitted all affect your quote.
  • Simply parking off the road overnight – preferably in a well-lit driveway – or by fitting insurer-approved security devices could help bring the cost down.
  • Building up your no claims discount (NCD) will help. Just one year’s NCD can knock as much as a third off your renewal price.

Female drivers under the age of 25 should visit our dedicated page for more top tips.

Car insurance groups

The type of car you drive also has a massive impact on how much you pay for your car insurance and the general rule of thumb is that the bigger the engine, the higher the premium price.

However, other things such as the car’s specification and any modifications are also considered, as are the cost of parts and repairs. This is one of the reasons why cars made by more expensive manufacturers command higher policy prices, even if they have a relatively small engine.

Each car is placed into one of 50 insurance groups that are used to help calculate insurance costs. You can read more about this on our car insurance groups page, but the general rule is that the higher the grouping, the more pricey the policy.

Compare policies when renewing

When it comes to renewals, make sure you shop around for the best deal and don’t just accept the renewal offer made to you by your insurer. Make a note of when your policy is set to renew and then check for a better deal.

You can compare car insurance with MoneySuperMarket and instantly review more than 100 insurance companies across the UK to get the best deal possible for you.

Always remember that when comparing car insurance for women drivers, the cheapest quote may not always be the best value; the most important thing is to make sure that the level of cover matches your circumstances. And in some cases, it may even be worth paying a little extra to include additional features such as breakdown cover.

For more ideas on how save on car insurance for women drivers, visit our money saving tips page.

*MoneySuperMarket data. Correct as of September 2017. 

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