Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • Sometimes the cheap car insurance quotes are not just a lower cost but also much lower coverage
  • Auto insurance rates can vary greatly between providers
  • Even if you have found a great deal, ask the agent about discounts

Finding affordable car insurance for women is actually not as challenging as you may think.

Women drivers are statistically much safer drivers than men and car insurance companies extend lower rates to this gender due to the reduced risk.

However, even with lower base rates, there are still things you can do to save even more on car insurance rates. Enter your zip code above to get FREE car insurance quotes today!

Is car insurance cheaper for female drivers?

Statistics are a big part of how car insurance rates are figured out.

Luckily, this works out very well for women. Statistics show that women are less at risk for accidents and especially for serious accidents.

Generally, women tend to opt for safer cars. While it is true that some women will choose sports cars, most are concerned with a safety over speed and reliability over looks.

Since the car you drive is taken into consideration when rates are being set women are more likely to save on car insurance by the choice of car they drive.

Another thing that works in women’s favor is the fact that for the most part, they love to shop. Finding a great deal when making a purchase is something that most women take pride in.

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What are some best tips to save money on car insurance?

Auto insurance rates can vary greatly between providers and just like you would hunt down the best price on a new pair of shoes you should treat shopping for car insurance the same.

If you are a woman driver and need car insurance, here are some tips to help you find affordable coverage:

  • Ask for discounts  Even if you have found a great deal, ask the agent about discounts. Sometimes payment in full or belonging to a certain group will earn you a hefty discount.
  • Know your own driving record  If you have a ticket on your record, know when you received it. That way you can shop around for new coverage as soon as 3 years has lapsed. Even if you have to cancel an existing policy, you can often save significantly by doing so.
  • Be green  If you limit your amount of driving per year then its possible to save big on your insurance, and you’ll be kind to the environment too. Opt for car-pooling and public transportation when possible to keep your mileage under 10,000 per year.
  • Educate  Take a driver safety course whenever possible to be eligible for discounts on coverage.

When you are shopping around for a new car always compare car insurance quotes from multiple providers.

How to Shop for Affordable Car Insurance for Women

While it is true that most women love to shop, shopping for car insurance is not necessarily the top thing that comes to mind.

Independent insurance rating companies like Moody’s, Standard and Poor’s, and A.M. Best can tell you how an insurance company fares and whether or not they have a positive economic outlook for the future or not.

Finding affordable car insurance is much easier than ever before. Many states have over 100 licensed car insurance companies and the market is ripe with providers competing for your business.

However, like almost any good or service the responsibility is up to you for finding the best policy for your family needs.

Enter your zip code below to get FREE car insurance quotes today!