CarInsurance for Women

Do women drivers need special car insurance?

No, women don't need a separate type of car insurance. There may be specific insurance companies for women that market policies with features aimed at female drivers, but insurers must provide coverage to anyone, women or men, and cannot set prices based on their gender. In fact, European law made it illegal for insurance providers to use gender when calculating premiums.

Instead, insurance costs are determined by factors like driving history, car type, and location. This means women get the same competitive deals as male drivers without needing “women-only” policies.

Is women's car insurance more expensive?

In most cases, no. Recent data shows that men usually pay more for insurance than women. For example, in 2025, women paid an average premium that was less than men, even though insurers are not allowed to base prices on gender.

The difference comes from driving patterns. On average, women are involved in fewer high-cost claims and drive lower-powered cars. Because of this, they tend to pay slightly lower premiums, which results in cheaper car insurance than men overall.

That said, every car insurance price is calculated individually, so comparing quotes is the best way to see what you'll pay.

How much is car insurance for women?

Prices vary considerably. Car insurance costs for women tend to sit slightly lower than the UK average of £400* because women make fewer high-value claims. This translates into lower insurance premiums, especially for drivers with a clean record and a few years of experience.

However, your exact car insurance premiums depend on many factors, including your age, location, driving history, and the type of vehicle you drive. Insurers also look at how expensive it would be to repair, as the cost of replacing parts influences the final price.

Does being married affect your car insurance?

Yes, it can. Many insurers consider marital status when assessing risk, and married drivers are seen as slightly more stable and lower risk. However, the difference isn’t guaranteed.

What helps more is how you set up your policy. For example, you can add your spouse to your policy as a named driver if they have a good driving record.

What affects the price of my car insurance premium?

There are plenty of ways to bring down the cost of your car insurance. Most of these tips apply to any driver, but they're especially useful if you want to make sure you're getting good value from your insurer.

• Type of car you drive
• Whether your car is modified
• Driving experience
• Age (young drivers face higher premiums)
• Claims and convictions history
• Location
• Mileage
• Voluntary excess
• Security measures
• Type of cover

What optional extras do I need?

You don't legally need any of these extras, but depending on your situation, some can be very useful:

Motor legal protection

Covers legal costs if you need to make a claim following an accident.

Breakdown cover

Provides roadside assistance and recovery if your car breaks down.

Personal accident cover

Offers financial support if you're injured in a car accident.

Excess protection

Reduces the amount you pay out of pocket following a claim.

Courtesy car cover

Gives you access to a temporary car while yours is being repaired after an accident or claim.

Child car seat cover

Protects your child's car seat from damage or theft.

Handbag cover

Provides protection for personal items like handbags if stolen or damaged in your car.

What details do I need to submit to get a car insurance quote?

To get a quote from insurance providers, have the following information to hand:

• Age
• Occupation
• Home address & where the car is parked overnight
• Car usage (social, commuting, business)
• Estimated annual mileage
• Driving licence number
• Car registration number
• Purchase date of the car
• Vehicle modifications
• No Claims Discount
• Accident/claims history (last 5 years)
• Convictions or penalties (last 5 years)
• Additional drivers

FAQ

Why do women often pay different prices for car insurance?

Even though women no longer benefit from a specific gender-based discount, insurance costs still vary between women and men. The difference comes down to the risk factor.

Women are statistically less likely to be involved in an accident, make fewer motoring offences, and tend to drive smaller, lower-powered vehicles. These patterns mean that, on average, women end up with lower premiums than men, even when gender itself isn't factored into the calculation.

Do child seats and personal belongings get covered in standard policies?

Standard car insurance policies focus on protecting your vehicle and other people involved in an accident. Car seats and other personal items aren't automatically covered.

If you want to make sure your child car seat or valuables like handbags and laptops are protected, look for policies that include personal possessions cover. This optional add-on covers the replacement or repair costs if your belongings are damaged, stolen, or lost from your car.

How often should I renew or switch my car insurance?

It's a good idea to review your insurance policies at least once a year. Even if you're happy with your current insurer, premiums and coverage options can change over time. Take a few minutes to compare quotes, and you might find a better deal or additional benefits that suit your needs.

Regular checks help you avoid paying for coverage you no longer need and allow you to benefit from loyalty discounts or promotions.

Can adding a named driver lower the cost?

Yes, adding a responsible, experienced driver to your policy sometimes helps you get cheaper car insurance. If you add your partner or another driver with a clean record, insurers may see the overall risk as lower and reduce your premium. This works best when the named driver has a history of safe driving and fewer claims.

Just make sure you're honest about who the main driver is because incorrectly stating this can invalidate your policy.

Does a black box (telematics policy) make insurance cheaper for women?

Yes, black box insurance, also known as telematics insurance, can reduce premiums, especially for younger or less experienced drivers. The policy uses a small device or an app to monitor driving habits, such as speed, braking, and the time of day you drive.

Insurers reward careful driving with lower rates, so women who drive safely and avoid high-risk times see significant savings. Over time, this makes insurance more affordable while encouraging good driving habits.