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*51% of customers received a quote of £495.61 or less for Comprehensive Insurance between January and March 2021, when using our journey via Confused.com

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Find the best car insurer for women drivers

Get a detailed insight into the top insurance providers targeting women drivers or cast your net wider by viewing all car insurance companies...
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Admiral

AA car insurance logo

AA

Churchill car insurance provider logo

Churchill

Hastings direct car insurance

Hastings Direct

Quotemehappy.com car insurance provider

Quotemehappy

RAC insurance logo

RAC

Tesco Bank car insurance logo

Tesco Bank

AXA car insurance logo

AXA

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Can you get cheaper insurance by having a specialist policy aimed at women drivers?

If you answer yes to all these questions it could be...

Can you buy a car insurance policy aimed at women drivers?

Several insurance brands are aimed at women and special offers include such things as ‘handbag cover’.

Is your car a standard model in a low insurance group?

Many women choose low-cost cars with cheap parts and fast repair times, reducing claims costs.

Are you happy for your insurer to manage repairs?

Objecting to insurers choosing the repairer and parts used or setting the write-off values bumps up the costs of claims.

Have you had no, or only minor, claims?

Women crash less and, when they do, make claims for lower impact collisions, resulting in less damage and lower repair costs.

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Why cars are getting safer The introduction of the New Car Assessment Programme (NCAP) in 1997 and the launch of the Euro NCAP Safety Ratings are estimated to saved more than 78,000 lives. The Euro NCAP ratings systems has encouraged car manufacturers to produce safer vehicles, but when the tests were first introduced, they were controversial among carmakers.

Read our full guide

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What is an advanced driving course? Advanced driving courses help people improve their road safety. Drivers who take an advanced driving course are taught to be more observant and better at anticipating changes. Some car insurers offer people who have taken an advanced driving course cheaper car insurance quotes. Advanced driving programmes are crash courses in not crashing. They involve learning how to drive defensively with greater awareness of the road and other road users.

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Car insurance for women drivers FAQs

The European Court of Justice (ECJ) made it illegal for insurance companies to take gender into account when calculating the cost of insurance (a man successfully challenged that women should not get cheaper insurance than him).

  • The law came into place on 21 December 2012

  • It made it illegal for insurers to use gender as a criteria when pricing insurance

But car insurance premiums did not rise dramatically for many female drivers (and they certainly did not drop for men). This was because the other criteria insurance companies use may mean many men still pay more for insurance.

Men tend to work in professions where more driving is required, or do more driving when not at work and insurers consider these factors more risky. In early 2020 research showed that of the nearly 15 million car insurance enquiries made, men paid £581 on average for their premiums, compared to women who paid £460 on average.

Insurance quotes are dependent on a multitude of factors such as age, area and driving history.

Women still get cheaper insurance because:

  • Women have fewer accidents so make fewer claims

  • Claims are generally for lower impact collisions, resulting in less damage and cheaper repair costs

  • The cars driven are often low-cost models with cheap parts and fast repair times

  • Fewer women drive prestige cars and insist on more expensive specialist repairers or parts

  • Fewer women object to insurers choosing the repairer or setting write-off values

However, a ruling made by the European Court of Justice (ECJ) made it illegal for insurance companies to take gender into account when calculating the cost of insurance (a man successfully challenged that women should not get cheaper insurance than him).

  • Age

  • Occupation

  • The type of car you drive 

  • Your no claims bonus 

  • Where you keep your car parked overnight

  • How many miles a year you drive

Black box insurance can help reduce your car insurance over a period of time. A small device is installed in your car that measures how fast you drive, when you brake, what time of day you drive, how quickly you accelerate and how you drive around corners. Some black boxes include an app which you can access on your phone.

If you drive safely you may be rewarded with cheaper monthly premiums.

  1. Be older and more experienced: Women and men who are experienced drivers and have a good driving record can still get a good deal on their insurance. Drivers under 25, women and men, pay far more than drivers 25 and over. If you are not an experienced driver you can cut car insurance costs by adding a named driver who is older and more experienced to the policy. 

  2. Change the type of car you drive: Another factor is the type of car you drive, with the car’s speed, security features, and value all playing a big part – read our guide to the cheapest cars to insure to find out which cars attract the cheapest insurance premiums.

  3. Increase your voluntary excess: Opting for a bigger voluntary excess may result in a cheaper monthly premium. But make sure you can afford any voluntary excess if you need to claim. This excess is in addition to the compulsory excess set by your insurer. This is what you will have to pay if you ever have to claim. However, you can also insure your excess, so that if your claim exceeded your excess it too would be paid. 

  4. Pay upfront: Pay for your insurance in one go if you can. Spreading the cost of your car insurance over 12 payments, monthly, may seem cheaper but remember you will be paying interest on top of the amount you pay towards your car insurance premium.    

  5. Drive less: Limiting your miles makes you less of an insurance risk. Simply because you are reducing your risk of having an accident. When you take out your car insurance policy the insurer always asks for an estimate of your maximum annual mileage. You need to try and you’re your mileage low, although you need to be realistic as to how much you will drive. 

  6. Install extra security: Having an alarm or immobiliser is considered a theft deterrent and by deterring car thieves you can reduce your car insurance. Not all insurers will offer this, so check first.

  7. Do an advanced driving course: Some insurers will offer a discount for drivers who have completed an advanced driving course. There are several recognised providers such as the Institute of Advanced Motorists and the Royal Society for the Prevention of Accidents.

  8. Shop around: Shopping around, aim for a month before your car insurance renewal comes up could also save you money. It may be your current car insurance is the cheapest available but because pricing changes it’s always best to stay vigilant.

  9. Consider a multi car insurance policy: If your driveway is heaving with cars it may make more sense to try and include all those cars on one policy. Some insurers allow you to take out a single multicar policy. Reduce your insurance costs with a multi-car insurance policy.

  10. Don’t own a car: This might sound like a drastic alternative but if you don’t always need access to a car, maybe you can borrow a friend’s or family member’s car. Many insurers offer short term and temporary car insurance which, in some cases can be taken out for just a day. Compare quotes for short-term or temporary car insurance.

Need a different type of car insurance?

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Compare Multi Car Insurance Quotes

More than one car? Find out how multi car insurance policies work and if it's right for you. Read our multi car insurance guide to see if you could save.

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Compare Black Box Car Insurance Quotes

Black box insurance is a great option to keep the cost of car insurance down if you're looking for a cheap quote. Compare black box telematics car insurance quotes today.

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Young couple in his car, happy to drive on a country road. Happy young women and young men in car

How does Temporary Car Insurance Work?

What does temporary car insurance cover? Find out how temporary car insurance works and how to take out a short-term insurance policy.

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Cheap Car Insurance for New Drivers

Car insurance for new drivers can often be expensive - find out why and how to reduce the cost of car insurance for new drivers by following our key advice.

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Car Insurance comparison is provided by Confused.com which is a trading name of Inspop.com Limited who are authorised and regulated by the Financial Conduct Authority. Registered office; Greyfriars House, Greyfriars Road, Cardiff, CF10 3AL, registered in England and Wales 03857130. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites. By using this system you are also agreeing to our Terms and Conditions and Privacy Policy. Uswitch is an intermediary and receives a percentage of the commission if you decide to buy through us.