Everything you need to know about women's car insurance
In the past, it was easier for women to find cheap deals on their car insurance than for men. That’s no longer the case as European law made it illegal for insurance providers to use gender as a basis to calculate insurance. But fear not, it’s still possible to save money on car insurance for women by shopping around.
How can I cut the cost of car insurance for women?
There’s a number of things you can do to help lower the cost of women’s car insurance.
Increase your voluntary excess
This might result in a cheaper monthly premium. Just make sure you can afford the voluntary excess on top of the compulsory excess set by your insurance provider if you need to make a claim.
Pay for your insurance in one go if possible. Although monthly repayments may seem a convenient way of spreading the costs, you may be charged monthly interest on the instalments.
Our quote page allows you to calculate the difference between the two payment options to help you decide which is right for you.
Reduce your mileage
Limiting the amount of miles you drive could reduce your risk of having an accident and therefore lower the cost of your car insurance. Your insurance provider will ask for a maximum annual mileage, so set this a 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 telematics insurance
Black box, also known as telematics, insurance could be a good idea for women as they’re often considered to be safer drivers. A small device is installed in your car, or you can download an app to your phone, which tells your insurance provider how you’re driving. If you drive safely you may be rewarded with cheaper monthly premiums.
Shopping around could also save you money. Comparing quotes with us is not only quick and easy, but could save you up to £225** on your car insurance. The best time to do this is around three weeks ahead of your car insurance’s start or renewal date.
**Based on Online independent research by Consumer Intelligence during February 2021, 50% of customers could achieve this saving on their car insurance through Compare the Market.
Can women drivers get cheaper car insurance than men?
The European Court of Justice’s gender ruling came into effect in December 2012 and had a huge impact on car insurance for women. It meant that insurance providers were prohibited from taking gender into account when calculating the cost of car insurance premiums.
So, even though women are statistically deemed to be safer drivers than men, these statistics can no longer be taken into account when calculating car insurance for women.
However, factors considered include:
- your age
- the type of car you drive
- your no claims bonus
- where you keep your car parked overnight
This means that experienced women drivers with a good driving record can still get a great deal on their car insurance.
Women’s 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 25 and over. This is because you are deemed to have less driving experience, and therefore a higher risk of making a claim. At the other end, drivers over the age of 50 usually pay far less than younger drivers, because they are considered a much lower risk.
One of the best ways to save money on your car insurance is to compare providers. With Compare the Market, we’ll find you a wide range of quotes, allowing you to find a better deal. Other ways to potentially lower your premiums include getting a black box insurance policy, adding an experienced named driver, or by driving a less powerful car model.
Are there benefits to taking out a policy for women?
Providers that specialise in car insurance for women could offer several benefits or add-ons as part of their cover. These include:
- Priority breakdown service – some providers will offer a priority breakdown service for drivers in certain circumstances. While this isn’t exclusive to women, it does include women driving alone in a remote or dangerous area, or a parent with young children in the car. If you’re a woman who drives alone or with young kids regularly, this could be a great benefit for you.
- Handbag and contents cover – if your handbag is stolen from your car, or it’s damaged in an accident, you can claim for damages or loss of it and its contents.
- Child car seat cover – if you’re a mother who regularly drives with a car seat, you can cover these against damage, in the event of an accident, or theft.
What optional extras may be worth considering?
Although not usually included as standard, you may also want to consider if the following optional extras may be valuable to you and worth paying slightly more for:
- Personal accident cover can provide financial help for death or serious injury caused by a car accident.
- Courtesy car cover provides you with a replacement vehicle while your car is out of action. How this works can vary between insurance providers, so check the details carefully.
- Breakdown cover cover could help you get back on the road if your car breaks down. The level of cover varies between providers, so check the details to see whether it meets your needs, or whether you’d prefer to buy breakdown cover separately.
- Legal expenses insurance could cover all or some of the legal costs if you’re involved in an accident and need to make a claim, or if another driver makes a claim against you.
Frequently asked questions
What car insurance cover do women need?
There’s three types of car insurance cover available. The one that’s right for you will depend on your personal circumstances:
- 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.
- 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.
- Fully comprehensive car insurance includes all the cover of a third-party fire and theft policy, but will also protect you as a driver and pay out for damage to your car.
It’s important when choosing, to read each policy carefully to ensure you choose one that offers the right cover for you. Don’t assume that third party is always the cheapest.
Why are there specific insurance companies for women?
Car insurance providers who specialise in car insurance for women largely originated before a ruling in December 2012 from the European Court of Justice. Before this ruling, car insurance providers were legally allowed to offer cheaper car insurance to women, because they are statistically safer drivers than men. Since this ruling, these companies must now offer car insurance for men, too.
Can I add my partner to the policy?
Many insurance providers will allow you to add your partner to your women’s car insurance policy, even if they’re male. Adding your partner is a common way for people to save money on their car insurance. However, this depends on their previous driving experience, with the possibility it could actually increase your premiums. It’s always worth checking.
Where can I compare cheap car insurance for women?
Our car insurance comparison service is the perfect place to start. We independently compare a wide range of the UK’s most trusted car insurance providers to find the right deal for you. You can rely on the experience we have.
It only takes five minutes*** to enter your details. We’ll then show you policies 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.
***On average it can take less than 5 minutes to complete a car quote through Compare the Market based on data in November 2020.