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All You Need To Know About Comparing Car Insurance For Women Drivers

In the past, it was easier for women to find cheap deals on their car insurance than 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. You could often save some money on car insurance for women by shopping around.

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. As a result, the cost of women’s car insurance rose quite dramatically as providers had to even out prices in relation to the premiums paid by men.

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, certain factors like your age, the car your drive and your no claims bonus are considered, meaning experienced women drivers with a good driving record can still get a great deal on their car insurance.

How can I find cheap car insurance for women?

Our comparison service is the perfect place to start. Just click ‘Start a new quote’ and enter your details – it only takes a few minutes. We’ll get you a list of car insurance quotes tailored to you and your car, listed in price order with the cheapest at the top of the page.

But don’t opt for the cheapest policy without checking what it includes. It’s important that you choose a policy that offers the right cover for you.

Our insurance quotes show whether four optional extras are included in each policy. These are personal accident cover, courtesy car, breakdown cover and motor legal protection. Cheap car insurance often doesn’t include these options as standard, so think about whether any or all of these would be valuable to you.

Personal accident cover can provide financial help for death or serious injury caused by a car accident.
If a courtesy car is included in your policy, then you’ll get a replacement vehicle if your car is out of action because of damage or an accident. How this works can vary among insurance providers, so check the details carefully.
Breakdown 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. You might prefer to buy breakdown cover separately instead, so that you can choose the level of cover to suit you. 
Motor legal protection 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.

What’s the best type of women’s car insurance?

There are three main types of cover available. The one that’s right for you will depend on your personal circumstances.

Third party covers you for any injury you cause to another person and any damage to their property.

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

Comprehensive 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.  

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.

Consider a higher voluntary excess
If you increase your voluntary excess it might result in a cheaper monthly premium. On the other hand, however, it could cost you more if you make a claim as you’ll have to pay your chosen voluntary excess on top of the compulsory excess set by your insurance provider – so make sure you can afford the total before you buy.

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 mileage, so set this as low as you can. But be realistic – if you significantly underestimate your mileage and then make a claim, your policy could be invalid.

Improve your car’s security
Fitting an approved immobiliser may deter potential car thieves and possibly reduce your car insurance. Before you go ahead, check that the one-off cost of these products doesn’t outweigh any potential saving. And bear in mind that you may need to speak directly with your insurance provider to get these savings.

Think about black box insurance
Black box insurance (sometimes called 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 download an app to your phone, which tells your insurance provider how you’re driving. If you drive safely, not too often and at less busy times of the day, you could be rewarded with cheaper monthly premiums.

Pay upfront
Pay for your insurance in one go, if possible. Although paying on a monthly basis is convenient and splits the payment into smaller amounts, you could end up paying more as interest might be charged 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.

Why compare women’s car insurance with

We independently compare more than 100 of the UK’s most trusted car insurance providers to provide deals on car insurance for women.

We’ll show you policies based on price, policy cover level, add-ons or annual or monthly payment terms – helping you to choose car insurance that suits you own particular needs.

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