The Lower Cost of Women's Car Insurance Women's car insurance can be significantly less expensive than car insurance for men, and there are some gender specific research results that support the trend. Men may not like it, but the truth is that fewer women have accidents or get speeding tickets. Car insurance companies feel more comfortable offering women lower prices because they feel that the women will make fewer claims. Women and men, in general, show very different driving styles. Men tend to be more aggressive, which can lead to more problems on the road. Why is it Different than Men's? Statistics over the last few decades reinforce the car insurance rate difference. It seems that men have more automobile accidents, which means that they make more claims. When men are involved in accidents, they are usually more severe and expensive. Women may have more fender-benders, but they are less likely to have accidents that result in injury or death. This may seem like gender profiling, but the insurance companies are very careful to consider all the factual information before they offer a rate to any driver, male or female. The Driving Record is Important Gender isn't the only consideration when it comes to women's car insurance. Insurance companies look at the driver's record before they consider any other facts. If a woman has a driving record that includes several accidents or claims, she will probably receive a rate that is comparable - or more expensive - to a typical man's policy. That's because the insurance company isn't creating a rate based on gender alone. The price of the policy is directly related to the odds that the driver will ever require an insurance payout. If the driver's record indicates that they are safe drivers who don't seem to have any problems, the insurance rates will reflect that.
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