Car Insurance For Women A Better Deal

It is quite a commonly known fact that your gender can significantly affect the amount of insurance premium that you have to pay. A 45 year old man with a clean driving record generally pays higher than a 45 year old woman with a clean driving record. Car insurance for women has always been cheaper. This is usually because women don’t engage in aggressive driving or even competitive driving because of which the chances of road accidents are less. Women also pay more attention to the traffic rules and the cases of distracted driving has also been lesser in their case.



It is quite common to find that women file for the same number of car insurance claims as men. This means that the trends are changing for sure. However, there are still many ways in.

Which men have to face a bias in driving. There are 3 major reasons that can be carved out from this gender bias in car insurance for women. They are mentioned below:

• Care- the first reason is care. Women are generally more careful while driving as compared to men. They are more aware of their surroundings and pay more attention to safe driving as compared to their male counterparts. Women also don’t engage in driving competitively or driving at a very high speed which makes them safer drivers to invest in.

• Lesser damage- statistics show that women generally don’t drive at very high speeds because of which the impact suffered by them and their cars are generally lower. They merely go for some scratches and dents only but not heavy overhauls and repairs. As men are more prone to driving at a very high speed, they cause more significant damage, after which their car insurance rates increase a lot.

• Higher abiding- it has been proven that women take the traffic rules and laws more seriously than men do. As a result of this, the chances of getting involved in accidents are also low. Men usually violate the law more often and get more tickets and fines as compared to women. As a result of this, their driving record is frequently tainted and they have to pay a higher rate of insurance as compared to men.

Though latest trends have shown that women have also started to show fairly aggressive driving behaviors, it is important to understand that it has brought no significant changes in the rates of car insurance for women.