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  • Do women pay more for car insurance?
  • FAQs
  • Useful links
  • Customer reviews

Jump to section

  • Do women pay more for car insurance?
  • FAQs
  • Useful links
  • Customer reviews

Can you buy cheap car insurance just for women drivers?

If you passed your driving test a while ago, you might remember the days when female drivers regularly paid less for car cover. The price discrepancy existed because research shows that men and women have very different driving habits and female drivers are statistically less likely to be involved in an accident and make a claim. Data also reveals women make smaller claims compared to men.

However, since 2012, firms can no longer base price according to sex, so women no longer have an automatic pass to lower insurance premiums.

Why are there specific insurance companies for women?

Many providers still skew their marketing towards a predominately female audience, which is why it seems like there are female specific insurance providers. In reality though, that isn’t the case and insurers must cater to all customers regardless of sex or gender.

However, if you do identify as female, it’s worth knowing that insurers who place women at the centre of their marketing campaigns do offer some added perks. You don’t necessarily need to be female to enjoy them, but they often specifically include cover for items like handbags, children’s car seats, pushchairs and prams.

That’s not to say other insurers don’t offer the same but simply call it something else. For instance, most comprehensive policies include personal possessions cover which is likely to cover items like your purse or wallet, as well as car seats. Bear in mind that there will be a limit to the amount you can claim so check it’s enough to cover the cost of replacing your belongings.

What does car insurance for women include?

Women’s 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 – the UK’s minimum legal requirement of insurance you must hold for your vehicle. It only covers you for damage or injury to another person or their property if you cause an accident. However, you and your own vehicle will not be covered, and you will not be able to claim with your insurance. Damaged cause by theft or fire is also not covered by a Third party only policy.
  • Third party, fire and theft– in addition to third party only cover, insurers will indemnify you if your car is stolen or damaged by fire.
  • Comprehensive – provides everything included under third party, fire and theft and will also indemnify you if your car is damaged or destroyed in an accident.

Insurance firms will also offer a range of extra features that you can add on to your policy for an additional cost, for instance:

  • Legal expenses cover
  • Breakdown and roadside recovery services
  • European cover
  • Windscreen cover
  • Misfuelling and lost keys cover.

How can I get cheap car insurance for women?

Whether you’re a man or woman, here are some tips to help you cut the cost of car insurance:

  • Pay for your policy in one go– paying in monthly instalments means interest fees are added so you end up paying more overall.
  • Increase your voluntary excess– this can lower your premium, but make sure it’s still affordable because you’ll need to pay it for a claim to go ahead. You can find out more about the differences between compulsory and voluntary excess in our blog.
  • Limit the miles you do – fewer milesmeans 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 alternative.
  • Avoid modifications– alterations to your car make it unique and can increase repair costs and its desirability to thieves – both of which can raise your premium.
  • Try telematics insurance – a telematics device fitted to your car monitors the way you drive calculates premiums based on the data that’s fed back to your insurer.

One of the most effective ways to get cheap car insurance for women or men in the UK, is to compare policies from a range of insurers. At mustard.co.uk, you can do exactly that simply by starting a quote online right now or speaking to an expert on  0330 022 8812.

Car insurance for women FAQs

Do women pay more for car insurance?

The short answer is no. Insurance companies cannot base premiums according to sex or gender. To calculate your premium, insurers will consider a host of factors, including:

  • Your age – young drivers under 25 are generally considered more likely to be involved in accidents which is typically reflected in higher premiums.
  • Your job – insurers consider some jobs to be riskier than others which can increase the cost of your car insurance.
  • Where you live – you could end up paying more if you live in a busy town or city with lots of traffic and higher crime rates.
  • Your car – smaller, less powerful cars may cost less to insure as they’re usually cheaper to repair or replace.
  • Your driving record – if you don’t have penalty points on your licence, you’re likely to pay less than a driver with convictions.

Can I identify as a woman for car insurance?

Firms aren’t allowed to base insurance premiums according to sex or gender, so whichever sex you identify as will have no impact on your insurance premium. Instead, they’ll consider other factors including the type of car you have, your age, job and address.

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