Car insurance for women

If you’re a woman and looking for a cheap car insurance policy, you’re in luck – many companies offer fantastic car insurance policies for the female of the species. This is because women drivers have been found to drive less often, take shorter trips and be involved in less serious accidents than men.

A recent survey by AAMI found that 84 per cent of men have crashed their vehicle, compared to 77 per cent of women drivers.

So just ticking the ‘female’ box on the cheap car insurance comparison form is the first step in driving down the cost of your car insurance policy.

But besides the fact that you are a women, what else can you do to drive down the cost of your car insurance? After all, there is cheap car insurance, then there is cheaper car insurance for women drivers – and, nowadays, every penny counts.

Keep your car safe and secure

Having an alarm, immobiliser or tracker professionally fitted, using steering or handbrake locks, or parking your car in the driveway or garage overnight, are all ways to cut insurance costs.

Consider taking public transport to work

If you are in employment, and use your car to commute to work, it will push up the premium. Use the car for just ‘social and domestic’ reasons and you’ll get a better deal, plus a lower annual mileage will also bring down the car insurance policy cost for women drivers. So ditch the wheels and take the bus.

Less power = cheaper cover

Cars with smaller engines are cheaper to insure and run. Read our cars that are cheap to insure roundup for more information.

Avoid modifications to your car

Any modifications from the ‘factory fresh’ version of your car, from alloy wheels to fat exhausts and so on, will cost you extra. Is it really worth it?

Up the voluntary excess

Voluntary excess is what you agree to pay in the event of a car insurance claim, on top of the compulsory excess. Raising the excess will reduce premiums for women drivers, but it does mean you will have to pay more of the costs if you have to make a claim.

Start building up your NCB

A No Claims Bonus (NCB) is the best way to reduce your car insurance costs. If comparing quotes on results in your changing your car insurance provider, ask about transferring your NCB to the new policy. In some cases, you can, and it can save you up to 70% of the maximum premium.

Keep a clean driving licence

If you break traffic laws, you could incur points, a fine, a driving ban, or all three. This is why it’s absolutely vital for women drivers to drive safely if you want to keep insurance costs down. You can receive points for things like driving without due care and attention, driving whilst over the alcohol limit, or speeding. Read more about driving convictions.

Pay for car cover in one go

Paying for car insurance in monthly installments may feel easier on your bank balance but you’ll likely pay more over the course of a year. This is because many insurance providers will give you a discount if you can stump the entire year’s premium in one advanced payment. Consider paying on a 0% interest credit card to lessen the blow.

Consider a lower level of car insurance

In the UK, the only compulsory car insurance is Third Party Only (TPO). As such, you are not obliged to opt for more expensive levels of cover such as Third Party Fire and Theft (TPF&T) and Comprehensive (Fully Comp or Comp). However, it’s vital that you understand the difference between the three levels of cover before choosing, as TPO could leave you with a large bill to pay if your car is written off, even if it’s not your fault.

Add an experienced driver
While additional drivers, women or men, will generally drive up the cost of your car insurance, in some cases adding a more experienced women driver with a healthy NCB and clean license can actually reduce the price of your premium.

Top tip

In the time it’s taken you to read these feature, you could have completed the easy-to-use form and have a list of quotes at your fingertips. Got another five minutes? Compare car insurance quotes now or bookmark the page for later.





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Editor in chief Suzi Dixon studied at Bournemouth university, went away for a while to work at The Daily Telegraph, then moved back to the sunny South coast for a quiet (er) life. Bournemouth News & Info is her website and she is assisted by the fabulous Fred From France in all things geeky and technical. Hire us to make your website, too, if you like.

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