Car insurance for women

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Cheaper than you might expect

Women typically pay £1921 less for cover

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Cover that helps you feel looked after, mile after mile

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How can I compare car insurance quotes for women?

It’s quick and easy to compare car insurance quotes with us and search for a great deal.

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Compare quotes based on cover level, add-ons and price to find cover that suits your needs.

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If you find a quote you like, we’ll send you over to the provider to complete your application. The provider will already have all your details, so you’ll just need to check everything is accurate and read through the policy terms.

What car insurance cover do I need?

There are three types of car insurance cover available...
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Third-party

Third-party is the most basic cover required by law. It covers you for any injury you cause to another person and any damage to their property.

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Third-party, fire and theft

Third-party, fire and theft offers the same cover as third-party, but you’re also covered if your car is stolen or damaged by fire.

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Comprehensive

Comprehensive car insurance includes all of third-party, fire and theft, plus it can protect you as a driver and pay out for damage to your car.

Can women drivers get cheaper car insurance than men?

Women typically pay £5083 for their cover. This is is £1921 lower than men's car insurance premiums, which are typically £7003.

Insurers don't price policies based on gender anymore. Since 2012, it's been illegal to use gender when calculating car insurance premiums.

However, women could still benefit from cheaper premiums as they tend to be safer drivers than men.

Whatever your gender, factors considered when calculating car insurance include:

  • Your age 

  • The type of car you drive 

  • Your no claims bonus 

  • Where you park your car overnight. 

This means that experienced drivers with a good driving record can get a great deal on their car insurance.

Are there benefits to taking out a policy for women?

Specialist car insurance quotes for women no longer really exist. However, some providers offer policies with cover options and add-ons that women drivers in particular could benefit from. These include: 

Priority breakdown service

While this isn’t exclusive to women, it does offer additional protection for drivers who feel vulnerable, for example women driving alone in a remote or dangerous area, or a parent with children in the car.

Handbag and contents cover

This offers cover for your handbag and its contents if it’s stolen from your car or damaged in an accident.

Child car seat cover

If you regularly drive with little ones in the car, you can cover their car seats against damage in the event of an accident or theft. 

What optional extras may be worth considering?

You could consider adding optional extras to your car insurance for an additional cost.

It’s worth checking beforehand to see if you can find a comprehensive policy that includes them as standard for a cheaper overall price.

Umbrella

Personal accident cover

Personal accident cover can provide compensation for death or serious injury caused by a car accident.

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Courtesy car cover

Courtesy car cover provides you with a replacement vehicle while your car is out of action.

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Breakdown cover

Breakdown cover could help you get back on the road if your car breaks down.

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Legal expenses insurance

Legal expenses insurance could cover some or all of the legal costs if you’re involved in an accident and a claim is made by you or another driver.

Car insurance for young drivers

While you’ll no longer find cheaper car insurance solely based on your gender, your age is definitely a factor in calculating your premiums. You’ll typically find that drivers under the age of 25 pay far more than drivers aged 25 and over. 

This is simply because drivers with less experience behind the wheel are at a higher risk of making an insurance claim.

At the other end of the scale, drivers over the age of 50 usually pay far less than younger drivers because they’re considered a much lower risk. 

One of the best ways to save money on your car insurance is to compare policies from different providers. Other ways to potentially lower your premiums include: 

Did you know?

According to government research from 2019-2023, male drivers aged 17-24 are almost twice as likely to be killed or seriously injured in a collision involving a younger driver, compared to female drivers of the same age.

How can I find cheap women’s car insurance?

There are several things you can do to help lower the cost of women’s car insurance.

Increase your voluntary excess

Just make sure you could afford the voluntary excess on top of the compulsory excess set by your insurance provider if you needed to make a claim.

Pay for your insurance in one go

Paying monthly for car insurance could cost around £2251 more than paying annually.

The typical annual price for car insurance is £5093 compared with £7343 for drivers who pay in monthly instalments.

Although monthly repayments may seem a convenient way of spreading the cost, you’ll usually be charged interest on the instalments.

Our quote page allows you to calculate the difference between the two payment options to help you decide which one is right for you.

Limit the number of miles you drive

This could reduce the risk of you having an accident and therefore lower the cost of your car insurance. Your insurance provider will ask you to estimate your maximum annual mileage, so set this as low as you realistically can.

Improve your car’s security

Fitting an approved alarm or immobiliser may deter potential car thieves and possibly reduce your car insurance. Speak to your insurance provider beforehand to see if they offer a security discount.

Consider black box insurance

Also known as telematics insurance. Your insurance provider uses an app or a small device installed in your car to monitor how you’re driving. If you’re found to be driving safely, you may be rewarded with cheaper monthly premiums. 

Choose a car in a low insurance group 

If you’re in the market for a new car, it could be worth looking for one in a low insurance group. Cars are grouped based on factors such as safety and security features, repair costs and car value, with cars in the lowest groups typically cheaper to insure.  

Try out our car insurance group checker. 

Drive safely and build your no claims bonus 

Drivers with 10+ years' no claims discount pay around £1,2381 less than those with none.

The typical premium was £1,6113 for drivers without a no claims discount. For those with 10+ years, it was £3733.

By following the rules of the road and driving safely, you can do your best to avoid any claims or penalty points that could increase your premium.

Insurance providers reward you for years of safe driving with an no claims bonus – one which typically increases each year without a claim – so you could end up getting a considerable discount on your quote.  

Shop around

Comparing with us is a quick and easy way to see if you could get a cheaper deal on your car insurance. 

Where can I compare cheap car insurance?

Our car insurance comparison service is a great place to start. We compare a wide range of the UK’s most trusted car insurance providers to help you search for the right deal. 

We’ll show you car insurance based on price, cover level, add-ons and annual or monthly payment options, helping you to choose the right policy to suit your particular needs. 

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Find the right cover for you

Learn all about car insurance, including how your age, policy type and excess can affect your premium

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Car insurance group checker

Check your car's insurance group and how it could affect your premium

FAQs

Why are there specific insurance providers for women?

There aren’t really any specific car insurance providers for women in the UK anymore.  

Car insurance providers who specialised in policies for women largely originated before the 2012 European Court of Justice ruling that made it illegal to use gender as a basis to calculate motor insurance.  

Before this ruling, car insurance providers were legally allowed to offer cheaper car insurance to women because they’re statistically safer drivers than men.  

Since the ruling, these providers must now offer car insurance for men too, although they may still market their policies more towards women. 

What else can affect the cost of car insurance for women?

There’s a number of things that can affect the cost of your car insurance, whatever your gender. Factors that can have an impact on the cost of your premium include: 

  • The type of car you drive  

  • Your postcode 

  • Your age 

  • Driving offences  

  • Your claims history.  

Ultimately, it depends on how much of a risk insurance providers consider you to be, based on your car, personal circumstances, driving habits and history. 

Can I add family members to my policy?

Yes, you can add your partner or child to your car insurance policy as a named driver. If your partner has a good driving history, it could help bring down the cost of your car insurance.

Adding your kids to your policy could help them avoid the costly premiums that younger, inexperienced drivers typically pay. However, it could push up the price of your policy as they’re considered more of a risk by insurance providers.

As the main policyholder, make sure you do most of the driving though. Otherwise, you could be guilty of car insurance fronting, which is illegal.

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Amy Rootham
Reviewed 17 Jul 2026 by Amy Rootham Insurance expert

Amy helps make sure you get the best value when choosing insurance. Thanks to more than four years’ experience at Compare the Market, she understands what people look for, working closely with insurance providers to offer you deals and services that are fair, easy to understand and right for your needs.

Methodology

1 Based on Compare the Market data in June 2026.

2 Based on the % of respondents reporting Compare the Market is their preferred brand in the last 12 months vs. other leading PCWs. Source: Savanta BrandVue Financial Services, National Representative Survey of 12,257 respondents (June 2026)​

3 Based on 51% of customers who compared quotes for this type of policy in June 2026.