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  • Do women pay less for car insurance?
  • Finding cheap car insurance quotes for women
  • FAQs
  • Useful links
  • Customer reviews

Jump to section

  • Do women pay less for car insurance?
  • Finding cheap car insurance quotes for women
  • FAQs
  • Useful links
  • Customer reviews

Why compare car insurance for women?

If you’ve held a driving licence for a while you might remember the days when women regularly paid less for car cover. This was because women were statistically less likely to be involved in an accident and subsequently make a claim.

All that changed in 2012 when a new ruling made it illegal to base policies on gender alone. As a result, simply being female is no longer a free-pass to lower premiums. 

That said, car insurance is hugely competitive so whether you’re a man or a woman, it really does pay to compare quotes from a range of insurers. Doing this lets you see at a glance who’s offering what and for how much. All this insight can give you a much clearer picture of what represents value for money which can help you make a more informed choice.  

Car insurance for women FAQs

Do women pay less for car insurance?

Women often do pay less for their car insurance but not because they’re women. When it comes to working out your premium, insurers will consider all sorts of factors – none of which comes down to whether you’re male or female. Typical points that insurers take into account include:

  • Age – younger drivers are more likely to be involved in accidents which is reflected in premiums. 
  • Your job – some jobs are considered riskier than others by insurers which can increase the cost of cover. 
  • Where you live – busy towns and cities with lots of traffic and higher crime rates attract higher premiums. 
  • Your car – what you drive can have a big impact on insurance cost. Smaller, less powerful cars are cheaper to insure compared to larger vehicles which are more likely to result in expensive claims in the event of an accident. 
  • Your driving record – drivers with a clean, points free licence are likely to pay less than drivers with convictions.

Data shows that on the whole, ladies car insurance does cost less but this is down to a combination of the jobs they do and the cars they drive rather than the fact they’re female.

What does car insurance for women include?

Ladies car insurance is no different from any other type of car insurance and you’ll get to choose from one of these three levels of cover:

  • Third-party only – compensates other people for injury and damage you cause. 
  • Third-party, fire and theft – includes third-party only cover and also compensates you if your car is stolen or damaged by fire.
  • Comprehensive – includes third-party, fire and theft and also covers the cost of repairing or replacing your car if you’re involved in an accident – even if the accident was your fault. 

By law, you must have third-party only (TPO) cover at the very least. Bear in mind that TPO policies don’t compensate you if your car is damaged in an accident so it’ll be up to you to pay for repairs. 

With that in mind, third-party only used to be considered the cheapest level of cover but that isn’t necessarily true now. Insurers noticed that most high value claims were made by TPO policyholders which led to an increase in the cost of these types of policy.

On the other hand, comprehensive policies are some of the most competitively priced on the market – another good reason to compare quotes offering different levels of cover.

What other features does car insurance for women include?

Policies aimed at women often provide additional cover for items like a handbag or child car seat – both of which can be expensive to replace. 

Policies will usually limit the amount you can claim so if these are available options it’s worth comparing what those limits are. 

Do some insurers only provide ladies car insurance?

Before 2012, there were several insurance providers that only sold policies to women. Since the ruling, it’s against the law to discriminate potential customers based on what sex they are. Although insurers can specifically target a female audience, they cannot refuse to sell policies to men. 

How can I get cheaper car insurance quotes for women?

Whether you’re male or female, there are several ways to lower the cost of car insurance, for example:

  • Pay for your policy in one go – paying in monthly instalments often means interest fees are added so you end up paying more overall. 
  • Increase your voluntary excess – this can lower your overall premium, but it still needs to be affordable because you’ll need to pay it for a claim to go ahead. 
  • Limit the miles you do – fewer miles means there’s less chance of being involved in an accident which can help lower your premium.
  • Boost security – keeping your car in a locked garage or on a private driveway is ideal but an immobiliser is a good second best.  
  • Avoid modifications – modifications make your car unique which can increase its desirability and repair costs – both of which can raise your premium.  
  • Try a telematics policy – premiums are based on how you drive according to information recorded on a telematics device fitted to your car. Telematics is also known as Black Box insurance

Can I identify as a woman for car insurance?

Identifying as a woman shouldn’t make any difference to the cost of your car insurance as it’s against the law to discriminate on gender. 

Search for cheap insurance for women, UK

Searching for car cover has never been easier. Simply start your quote online or give a friendly, expert advisor a call on 0330 022 8814. 

Remember – we’ll beat any other online quote so search for cheap car insurance for ladies at mustard.co.uk and see how much you could save.

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