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Key Takeaways

  • In California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania, your gender will not be used to rate your car insurance policy.
  • Sometimes, women pay less for car insurance than men, and sometimes they pay more. Younger women tend to pay less than younger men for car insurance. A 22-year-old woman pays a national average cost of $2,495 per year for full coverage, while a 22-year-old man pays about $2,828.
  • Women can potentially get cheaper car insurance rates by driving safely, comparing quotes and taking advantage of discounts.

Car insurance for women

In most states, vehicle owners are required to carry at least a minimum amount of car indemnity mandated by the state of matter. Women who own or operate vehicles regularly are required, like all early drivers, to have a cable car policy policy that meets the state minimum requirements if applicable. In most areas of the nation, your gender will be used as a rat factor when determining how much you pay for car indemnity coverage. Your sex is just one of many fink factors that could be used ; other military rank factors include your driving history, the type of vehicle you drive, credit score in some states and the coverages you choose. however, seven states — California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania — do not allow policy companies to use sex as a rate factor in car insurance rates. Male and female drivers in these states might pay cheeseparing to the like amount for coverage, assuming that all other evaluation factors are peer .

How much do women pay for car insurance?

The price of car insurance for women varies based on numerous extra rate factors, such as age ( except in Hawaii and Massachusetts ), placement, vehicle type and coverages chosen. The average cost of full coverage car policy in the U.S. for women is $ 1,532 per year, slenderly lower than the overall national average monetary value for full moon coverage of $ 1,674 per year .

Car insurance rates for women by carrier

Most states allow car indemnity companies to use gender as a rating gene for calculating car indemnity premiums. In these cases, car indemnity companies can analyze accident and moving rape statistics for each group. Below are just a selection of bum car policy companies and what their average rates are for women :

Insurance company Average annual premium for full coverage Average annual premium for minimum coverage
USAA $1,176 $381
Erie $1,256 $423
Auto-Owners $1,355 $383
Travelers $1,388 $460
Geico $1,429 $440

Car insurance rates for women by age

Younger drivers, in general, tend to pay more for indemnity. The more experience you have on the road, the more likely an policy party is to view you as a low-risk driver.

Average annual cost of full coverage car insurance

Age Average cost for women Full average cost(men and women) Cost difference
25-year-old $2,036 $2,108 -$72
40-year-old $1,532 $1,674 -$14
60-year-old $1,537 $1,544 -$7

Female car insurance rates by state

Your geographic localization besides plays a function in how much you will pay for car indemnity. Each submit has unlike policy laws, and the likelihood of getting into an accident and the badness of those accidents can vary .Average annual full coverage car insurance premium for women by state *These states do not allow gender to be used as a rat factor .

Cheapest states for women

The national average cost of entire coverage car insurance for women is $ 1,532. Maine has the cheapest full coverage car insurance rates for a 40-year-old woman, on average, at $972, followed by Ohio, Idaho, Hawaii and Washington. Hawaii does not allow sex to be used as a factor in car insurance premiums, but the state has below-average prices for wide coverage car indemnity in general, at $ 1,127 compared to the national median of $ 1,674 .Cheapest states for women’s full coverage car insurance

State Average annual cost for 40-year-old women Difference from the national average annual cost for women
Maine $972 -$560
Ohio $1,034 -$498
Idaho $1,060 -$472
Hawaii $1,145 -$387
Washington $1,159 -$373

Most expensive states for women

Unsurprisingly, Louisiana tops the list for the most expensive annual full coverage car insurance premium for women at $2,766 — the state already has the most expensive average annual monetary value for full coverage indemnity in general at a whopping $ 2,724. Michigan, Florida, New York and Nevada round out the list of states with the most expensive annual full coverage car insurance premiums for women, which mirrors the most expensive states for average full coverage car policy premiums in general, although the average rates differ slenderly when applied alone to women. Michigan does not allow sex to be used as a rate factor in car indemnity premiums, but the state is already the fourth-most expensive state for fully coverage car indemnity, according to Bankrate ’ mho sketch of modal annual quoted premiums .Most expensive states for women’s full coverage car insurance

State Average annual cost for 40-year-old women Difference from the national average annual cost for women
Louisiana $2,766 +$1,234
Michigan $2,397 +$865
Florida $2,392 +$860
New York $2,383 +$851
Nevada $2,325 +$793

Do women pay more for car insurance than men?

It depends on how erstwhile you are ( in most states ), where you live and flush your marital status in some cases. Some data reflects that women pay more for cable car policy than men, which is true in some cases. At some ages and in some states, women pay more than men, but the reversion is besides true. In some states, including Connecticut, Maryland and Washington, women pay less than men, on average. world are typically considered to be riskier drivers than women. Statistics show that men tend to get into more accidents and more dangerous accidents than women. however, although your gender probable impacts your bounty ( depending on where you live ), other denounce factors will have a much more significant effect. For exercise, a woman with a cleanse driving record is likely to pay less than a serviceman with several accidents, tickets or DUI convictions. similarly, a woman insuring a high-end luxury car for full moon coverage will probably pay more than a man insuring a more modest vehicle .

How to find cheap car insurance for women

Finding bum cable car policy may be a precedence for many women. fortunately, there are things you can do that might help control your policy premium .

Safe driving habits

You will probable pay significantly less for car policy if you rehearse safe driving habits. Accidents, tickets and DUI convictions can raise your policy rates significantly. Keeping a clean and jerk drive record helps you avoid these surcharges .

Compare rates

Getting quotes from several companies can help you find the coverage you need at the most competitive price. Each insurance company has its own denounce algorithm, which weighs your fink factors differently, which means that rates can vary significantly between companies .

Ask about discounts

Most insurance companies have discounts that might help you save. Taking advantage of the discounts that you qualify for could lower your premium. Although each ship’s company and each express has different discounts, some common discounts include bundling your home and car policy with the same company, taking separate in a telematics program and paying in wax .

Frequently asked questions

What is the best car insurance company for women?

Every charwoman brings a different situation to cable car indemnity, and women will each have different wants and needs from their policy and company. There is no single best cable car indemnity company for all women. Getting quotes from several companies can be a useful way to find the caller that is correct for you .

What age does car insurance go down for females?

around age 25, women should typically start to see their cable car indemnity premiums decrease if they have maintained a houseclean drive record. Teenagers and unseasoned drivers typically price more to insure ascribable to their lack of feel ; car policy companies view young drivers are more probably to get into an accident than their adult counterparts .

What do I need for a car insurance quote?

Requesting multiple quotes from car policy companies can be time-consuming but all-important to ensuring you ’ re able to see all your options before making a decision. To make it a fiddling easier, be prepared to partake all names, birthdays and driver ’ sulfur license numbers of the drivers who need to be included on the policy, ampere well as the class, make, model and vehicle recognition number ( VIN ) of the vehicles you want to insure. If you have an idea of what coverage options and limits you want, this can besides speed up the summons, but indemnity agents can besides help tailor a policy to your needs if you ’ rhenium uncertain .


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a scavenge drive commemorate, effective recognition and the following broad coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimal coverages that meet each state ’ south requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and force 12,000 miles per annum.

These are sample rates and should only be used for relative purposes. Age: Rates were calculated by evaluating our foundation profile with the ages 18-60 ( base : 40 years ) applied. Depending on senesce, drivers may be a tenant or homeowner. Hawaii and Massachusetts do not allow age to be used as a rat divisor when calculating indemnity premiums. Gender: the trace states do not use sex as a determining divisor in calculating premiums : California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania .

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