Cheap Car Insurance For Women - Is it a Reality?

“Women drivers”. Every woman has heard that phrase come out of a male mouth, be it a spouse, a relative or a colleague at least once or twice in their life. The driver of the car going too slow in the fast lane has to be a woman says your husband (then you chuckle as he speeds up to overtake her and you can point out this particular “woman’s” full beard and mustache) The belief that women are worse drivers than men is still a popularly – and erroneously   - held belief but fortunately when it comes to cheap car insurance women are not looked upon this way by the car insurance companies.

The actual fact is that when it comes to getting cheap car insurance women actually usually stand a better chance of scoring a great deal than men. In calculating their rates insurance companies rely a great deal upon national statistics and studies to assign risk and most of those statistics tend to come to the conclusion that women are actually – on average – better and safer drivers than men, therefore presenting a better “risk” to car insurers, enabling them to offer their female clients a better car insurance rate. 

What are these statistics you may ask (especially if you are a man) Try the fact that a number of studies and government statistics have shown that women drivers are simply not involved in as many car accidents as men are and that those they are involved in as the driver result in less damage and fewer injuries. There are also more women than men on the road with clean driving records.

Want more? Statistics also show that far more men than women are involved in vehicle related crime and women are more likely to pass their initial driving test the first time than men, which is why although as a young driver their car insurance rates are still going to be higher than older more experienced drivers cheap car insurance for young women is usually easier to find than it is for young men.

This is not to say that all women are exemplary and flawless drivers and all men are crazed speed demons likely to break out with a case of road rage any second. There are very bad women drivers and there are great, very safe and careful male drivers. However because those average statistics go a little against the male driver in general cheap car insurance for women is easier to find.

This all may sound rather sexist in the “age of equality” but it really is not. Women aren't being offered these cheaper car insurance rates simply because they are women; they are being offered cheaper rates because statistics show car insurance companies that offering these lower rates to female drivers is less of a statistical risk. Insuring anyone is a gamble for a car insurance company and just like at the card table or at the racetrack all they can really do is play the odds as best they can and hope.