Women’s car insurance

Until a decade or so ago, the issue of cheap car insurance for women drivers was not high on most insurers’ agenda.

Today, women can enjoy some excellent motor insurance deals. But as with all these things, it makes sense to shop around. Find out how to get the best rates below.

Women may still face discrimination in certain areas of their lives, but one area where this definitely does not appear to be happening is over the cost of their car insurance.

Premiums for women drivers tend to be lower than they are for men, especially up to the age of about 45. Thereafter they level off.

The reasons why female car insurance is cheaper than men’s are simple: premiums are based on a wide range of statistics which show they are much safer drivers than men.

• Government figures show that over 92% of convictions for driving offences in the UK are for men.
• Men are responsible for 98% of all convictions for dangerous driving.
• Women drivers tend to drive more slowly, carefully and shorter distances than men.
• Although women tend to have as many accidents as men, they are less likely to be serious. Therefore their overall claims experience is better than those of their male counterparts.