Car Insurance for Women: How to Get the Best Cheap Car Insurance

If you’re looking to lower your auto insurance bill, the best way is to shop around for multiple quotes. Gender plays a minimal role in determining how expensive car insurance is — factors like driving history, age and credit score have a bigger impact than gender.

But some companies do consider gender when determining auto insurance rates. The gender price disparity is greater among younger drivers. That is because, according to insurers, women are less likely to get into an accident than men at that age.

• Cheapest Car Insurance Companies for Women
• How Much Is Car Insurance for Women?
• How to Find the Best Cheap Car Insurance for Women?
• Do Men or Women Pay More for Car Insurance?
• Frequently Asked Questions

Nationwide offers the cheapest auto insurance to women, with an average cost of $1,166 per year. Travelers ($1,412) and Allstate ($1,454) also offer women affordable auto insurance policies. These averages are based on a 40--year-old female driver with a clean driving record and no history of claims.

Car insurance costs depend on a variety of factors, and different insurance companies place different emphases on each of these factors. That’s why one of the best ways for women to save on car insurance is to compare rates. You can use MoneyGeek’s free car insurance calculator to quickly and easily estimate rates from providers using your specific profile.

On average, there’s minimal difference between car insurance premiums for women and for men. Gender isn’t too big of a factor when calculating premiums, but it has a stronger influence on younger drivers, especially teenagers and young adults in their early twenties. In those age ranges, women may experience a slightly more significant decrease in their premium compared to men of the same age.

Younger women have a cheaper premium than men on average, but only by a little bit. By their 50s, a woman’s premium actually becomes more expensive than a man’s. Rates by age and gender are more heavily influenced by age than gender. And other factors, like your driving history, play a much more important role.

Your car insurance costs can vary depending on where you live. Average car insurance costs vary by state based on factors like population density, theft rate, local and state rules and regulations, and even the number of uninsured drivers on the roads. Based on our data, Idaho has the cheapest car insurance for women at around $803 per year.

The best way to find cheap car insurance as a woman is by shopping around and comparing quotes, keeping a good driving record and making use of any discounts that you may be eligible for, such as safe driving, bundling or an occupation-related discount. Gender isn’t a major factor when it comes to auto insurance premium calculations, so it’s faster to just look for the cheapest insurance company than to look for a carrier for women.

Are you looking to cut down on your costs? We cover some of the best ways to save on car insurance below.

Discounts are one of the easiest ways for a woman to lower their car insurance bill. There are several different common car insurance discounts that can help you to reduce insurance costs.

As teens and young adults in their early twenties, men tend to pay more than women for car insurance on average. For older drivers (around age 50+), women tend to pay slightly more than men. According to insurers, younger female drivers are less likely to get into an accident compared to younger male drivers. Drivers with a bad driving record, regardless of gender, will pay more.

Car insurance can sometimes be a little confusing. We’ve answered some common questions about the best cheap car insurance for women below.