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AXAWhy do women get cheaper car insurance on average?
On average, women pay £476 for car insurance, while men pay £621* (although it’s worth noting that insurance providers cannot price policies based on gender).
The European Court of Justice (ECJ) has prohibited insurance companies taking gender into account when calculating the cost of insurance since December 2012.
Specifically, women tend to pay less for insurance because:
- Women tend to have fewer accidents, so make fewer car insurance claims
- Claims are generally for lower impact collisions and accidents, resulting in less damage and cheaper repair costs
- They usually have fewer motoring convictions
- They're more likely to drive lower-risk cars
- Fewer women drive prestige cars, and they are less likely to require more expensive specialist repairers or parts
- Fewer women object to insurers choosing the repairer or setting write-off values
In addition, men tend to work in professions where more driving is required, or do more driving when not at work. Insurers consider these factors riskier.
*Uswitch data (December 2025 - February 2026)
Can you get cheaper insurance with a specialist policy aimed at women drivers?
There isn't really such a thing as a specialist policy for women. Some providers do offer policies tailored to specific preferences, but these must be available to all customers. Policies also cannot be cheaper based on personal characteristics like gender.
While gender doesn't grant a discount, insurers might offer competitive policies for low risk profiles. It's best to compare a range of providers to see which can offer you the level of cover you need at a price that works for you.
Are there benefits to taking out a car insurance policy for women?
Many insurers offer benefits that can be perceived as particularly appealing to women looking for car insurance.
These include:
- Cover for handbags and their contents
- Specialist telephone counselling services for policyholders following an incident
- Emphasis on standard policy features, such as child car seat cover
Many of these features can be useful to any driver, depending on your needs and preferences.
What type of car insurance cover do women need?
There are three main levels of cover to consider:
Third party only (TPO)
This protects you from third-party liability. In other words, it covers injuries to other people, plus damage to their vehicle or property.
Third party, fire and theft (TPFT)
This provides third party liability cover, as well as protection for your own vehicle if it's stolen, damaged in an attempted theft or by fire.
Comprehensive
This offers the same coverage as TPFT, while also protecting you financially if you're injured, or if your car is damaged and needs to be repaired or replaced.
"When you pick your car insurance, it's best to look beyond price. Think about which policy features suit your needs. It's also always a good idea to compare all levels of cover as, while it offers the best protection, comprehensive insurance can often work out cheaper than third-party policies."
How does age affect the cost of car insurance?
Insurers consider the age of prospective policyholders when pricing insurance. They also look at several other factors, like where you live and what you drive.
Young drivers generally pay the most for insurance. If you’re under 25, you’re likely to pay more than many older drivers because you’re more at risk of making a claim. This could be because younger drivers or those who are new to driving haven’t yet built up much road experience or a no-claims histor
While cover is cheaper during the years in between, premiums start going up again for drivers over 70. Again, this is due to a higher incidence of claims.
These age-related trends apply equally to all drivers, regardless of gender.
Can I add my partner to my policy as a named driver to save money?
You can add your partner or another qualified driver to your insurance policy as a named driver. The main rule is that you, as the main driver, must do most of the driving.
If the named driver does most of the driving, this is called fronting, which is a type of insurance fraud. It usually happens when someone (often a parent) takes out the insurance and lists you as a named driver, even though you’ll be driving most of the time.
While it might seem like a way to get cheaper insurance, fronting is illegal. If you’re caught, both you and the main driver could face criminal charges, and it could make it harder to get affordable insurance in the future.
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FAQs
Should I consider black box or telematics insurance?
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, what time of day you drive, how sharply you accelerate and brake, and how you drive around corners. Some black box policies use a phone app, so no device needs to be installed in your car.
If you drive safely you might be rewarded with cheaper monthly premiums.
What other factors influence the price of car insurance?
The best time to renew your car insurance is usually around a month before your policy expires. Numerous factors affect the price of car insurance, including:
- your age
- your 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
Read our guide on tips to reduce your car insurance costs for practical ways to help lower your premium.
What happens to my no-claims bonus if my partner crashes my car?
It depends on their cover. If your partner is a named driver on your policy, you’re likely to lose your no-claims bonus (NCB), or it may decrease. This is because, as a policyholder, you’re liable for any claims.
On the other hand, if they have their own policy - or even just temporary car insurance - your NCB won’t be affected.
If your partner is a named driver on your policy and you’re worried about them crashing your car, you could look into protecting your NCB. This usually costs a bit extra, but it can be worth it if they're involved in a collision - especially if you’ve built up a strong NCB. Check with your insurer to see what options are available.
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