Did you know women often pay less for car insurance than men? On average, female drivers save 9-15% on premiums due to lower risk profiles. But many women still overpay because they don’t take advantage of gender-based discounts and smart shopping strategies.
In this guide, we’ll cover:
✔ Why women get cheaper rates
✔ Best insurance companies for female drivers
✔ Top discounts to lower your bill
✔ How to compare quotes effectively
By the end, you’ll know exactly how to find the cheapest car insurance for ladies without sacrificing coverage.
Why Do Women Get Cheaper Car Insurance?
Statistically, women are safer drivers than men, resulting in lower premiums. Here’s why insurers favor female drivers:
1. Fewer Accidents & Violations
- Women are less likely to get DUIs or speeding tickets.
- They file 27% fewer accident claims than men (NHTSA).
2. Lower Risk of Reckless Driving
- Men account for 71% of all fatal crashes (IIHS).
- Women tend to drive more cautiously and avoid aggressive behaviors.
3. Lower Mileage = Lower Rates
- On average, women drive 7,500 miles/year vs. men’s 10,500 (FHWA).
- Less time on the road = lower accident risk.
Note: Some states (like California) ban gender-based pricing, but most still use it.
5 Best Cheap Car Insurance Companies for Women (2024)
Not all insurers offer the same rates. These companies are top picks for female drivers based on affordability and discounts:
| Insurance Company | Why It’s Great for Women | Average Annual Cost |
|---|---|---|
| GEICO | Best overall rates + good student discounts | $1,200 |
| State Farm | Best for young female drivers (teens & college students) | $1,300 |
| USAA (Military Only) | Cheapest for military women & families | $1,100 |
| Progressive | Best for rideshare drivers & high-mileage commuters | $1,400 |
| American Family | Best loyalty discounts for long-term customers | $1,350 |
Tip: Always compare at least 3 quotes—rates vary by location, age, and driving history.
7 Discounts That Help Women Save on Car Insurance
Ladies can slash premiums by 20-40% by stacking these discounts:
1. Good Student Discount (Up to 15% Off)
✔ Available for teen girls & college students with a B average or higher.
2. Safe Driver Discount (Up to 30% Off)
✔ No accidents or tickets for 3-5 years? You qualify.
3. Low-Mileage Discount (Up to 20% Off)
✔ Drive less than 7,500 miles/year? Ask about pay-per-mile plans.
4. Defensive Driving Course (5-10% Off)
✔ Complete a state-approved course (online options available).
5. Multi-Car Discount (Up to 25% Off)
✔ Insure multiple vehicles under one policy.
6. Bundling Discount (Up to 20% Off)
✔ Combine home + auto insurance with the same company.
7. Anti-Theft Device Discount (5-15% Off)
✔ Install a car alarm or GPS tracker to lower risk.
Pro Tip: Some insurers (like State Farm) offer “women’s affinity discounts”—ask your agent!
How to Get the Cheapest Car Insurance Quotes (Step-by-Step)
Follow these steps to maximize savings:
1. Compare Quotes Online
- Use sites like The Zebra or Gabi to check multiple insurers at once.
- Adjust coverage levels to see price differences.
2. Ask About Female-Friendly Discounts
- Mention if you’re a teacher, nurse, or military member—some companies offer extra savings.
3. Choose the Right Deductible
- A $1,000 deductible vs. $500 can cut premiums by 15-20%.
4. Pay Annually (Not Monthly)
- Avoid $5-$10/month service fees.
5. Improve Your Credit Score
- In most states, better credit = lower rates.
FAQs About Car Insurance for Women
❓ Do married women pay less for car insurance?
✅ Yes! Married women save 5-15% compared to single drivers.
❓ Is car insurance cheaper for women over 25?
✅ Yes. Rates drop significantly at 25 due to lower risk.
❓ Can women get discounts for being accident-free?
✅ Absolutely. A clean record for 3+ years earns big discounts.
❓ Which company has the best rates for young female drivers?
✅ State Farm & GEICO are best for teens & college students.
Final Verdict: How Women Can Save the Most
While women already get better rates than men, you can save even more by:
✔ Comparing quotes annually (rates change frequently)
✔ Stacking discounts (safe driver + good student + low mileage)
✔ Choosing higher deductibles (if you have emergency savings)
✔ Avoiding small claims (they can raise your rates)
🚺 Ready to Save? Compare Cheap Car Insurance Quotes for Women Now