Why Car Insurance for Women Can Be Cheaper

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Although there are a number of factors used to calculate car insurance rates that change with each person, it is a fact that car insurance for women is generally cheaper than it is for men. Auto insurance companies make money from the premiums paid by customers, and lose money by paying out insurance claims, so an auto insurance company gives better rates to customers who are less likely to cost them money by getting in accidents.

Why Car Insurance for Women is Cheaper: Safe Driving Statistics

When deciding what customers are safer drivers, auto insurance companies look at which groups get into the fewest accidents, are given the fewest traffic citations, and who tend to otherwise demonstrate they focus more on driving safely than driving quickly. According to driving statistics used by auto insurance companies:

  • Men were over 3 times more likely to be cited for reckless driving
  • 5% more of traffic violations committed by men result in traffic accidents.
  • Although both groups seem equally likely to get in an auto accident, the accidents that women get into are typically minor fender-benders. Men are more likely to get into serious, or even fatal car accidents.
  • Women tend to purchase cars that focus on safety, and do not cost as much. Both of these factors are favorable to an insurance company.

These statistics all suggest that women are less likely to cost the car insurance company money because they are less likely to drive recklessly or get in accidents that require large payouts for damages or bodily injury. As a result, car insurance for women is cheaper than it is for men.

TIP: Car insurance companies offer cheap car insurance for women because they are safer drivers, not simply because they are women. A man can get car insurance discounts and save on his car insurance by demonstrating a commitment to safe driving through his driving record and car purchases.

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For more information about getting the right car insurance policy to fit your needs, check out the following articles:

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