What else affects the price women pay for car insurance?

There are only few areas where a woman is not discriminated against in some way; car insurance is one such area. Women receive more favourable car insurance premiums than men. On a like for like basis, a woman under the age of 45, driving the same car, and living in the same area as a man will receive a cheaper insurance premium.

Statistically, insurance companies see that women drivers are cheaper to insure than men.

Predominately this is based upon two things.

Government Research

Figures produced by the Government show that women are less likely to be convicted of a serious offence. The figures show that:

• Only 7% of convictions for driving offences are Women
• Only 2% of dangerous driving convictions are Women

Insurance Histories

Further to this, the insurance companies themselves have provided interesting statistics to help them rate the risk of a woman driver against a man.

• Women tend to drive more slowly
• Women, while having a similar physical number of accidents, will have less costly claims
• Women drive less than men

Other factors

There are also other non gender related factors that affect both women and men equally.

• Where you live
• Where you park your car
• Car engine size and value
• Any previous claims or convictions

are all factors that affect an insurance premium price. On balance, women do receive lower insurance quotes than men.