Car Insurance For Women
Compare Car Insurance For Women
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What Is Car Insurance For Women?
Car insurance for women is standard motor cover bought by female drivers. There is no separate “women’s” policy because UK law requires all premiums to be gender-neutral.
Since December 2012, the EU Gender Directive (known as the Test-Achats ruling) has banned insurers from using gender as a pricing factor. The UK kept this rule after Brexit through the Equality Act 2010.
Before the ruling, women typically paid less because they made fewer and less costly claims. That statistical gap still exists, but insurers now price on other factors that happen to correlate with gender.
In practice, this means women compare and buy car insurance in exactly the same way as men. The risk factors correlated with gender tend to work in their favour, which is why average premiums remain lower.
How To Compare Car Insurance Quotes As A Woman
Comparing car insurance quotes via SimplyQuote.co.uk takes minutes. Get quotes from 130+ insurers, including those historically aimed at women.
Enter your details
Fill in your age, address, licence type, and vehicle details. Your gender is no longer a rating factor, so the quote you see is based entirely on your driving profile.
Compare your quotes
Review results side by side. Premiums vary widely between insurers, so comparing is the quickest way to find the best price for your circumstances.
Check policy details
Look beyond the headline price. Check the excess, any add-ons included, and whether the cover level matches what you need.
Buy online
Once you’ve found the right policy, buy directly through SimplyQuote. Cover can start the same day.
Can Insurers Still Price Differently Based On Gender?
No. Since the Test-Achats ruling took effect in December 2012, insurers cannot use gender to set premiums, offer different terms, or calculate annuity rates.
What the ruling changed
Before 2012, insurers could charge men more because claims data showed they were statistically riskier. The European Court of Justice ruled this breached EU equality law, and the ban applied across all EU member states.
Insurers can still use factors that correlate with gender, such as occupation, annual mileage, vehicle type, and claims history. The ban applies specifically to gender as a direct input.
Why women still tend to pay less
Women on average choose smaller, lower-group cars, drive fewer miles, and have fewer convictions. Our guide to how car insurance is calculated explains how these factors feed into your premium independently of gender.
Ministry of Justice data shows that nearly 80% of all motoring offences in England and Wales are committed by men. Fewer offences means fewer penalty points, which keeps premiums lower.
Uswitch data from recent years shows men pay around 24% more on average for car insurance. The gap narrows for younger drivers but widens with experience.
How Much Does Car Insurance Cost For Women?
Women pay less on average than men, even under gender-neutral pricing. The average cost of car insurance page has the latest UK figures across all demographics.
| Factor | Typical Female Driver | Typical Male Driver |
| Average annual premium | £660–£700 | £820–£860 |
| Average annual mileage | 6,000–8,000 miles | 8,000–12,000 miles |
| Most popular cover level | Comprehensive | Comprehensive |
| Motoring convictions (% of total) | ~28% | ~72% |
| Drink-driving convictions (% of total) | ~18% | ~82% |
Age and premium trends
Young drivers of both genders pay the highest premiums. The gender gap is narrowest among 17 to 25-year-olds and widens for drivers over 30, where women’s lower claim frequency has the biggest effect.
Location matters more than gender
Where you live has a larger effect on your premium than any gender-correlated factor. A woman in central London can pay double what a man in a rural village pays.
Mileage and the gender gap
Industry data shows women drive around 6,000 miles per year on average, compared to roughly 8,000 for men. Lower mileage means less exposure to risk, which directly reduces premiums.
*51% of consumers could save £535.17 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from May 2026 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
What Cover Levels Are Available?
Women choose from the same three cover levels as any other driver. The right level depends on your car’s value and how much protection you want.
Third party only
Third party only is the legal minimum. It covers damage you cause to other people and their property but nothing for your own car.
Third party, fire and theft
Third party, fire and theft adds protection if your car is stolen or damaged by fire. It’s a middle ground between cost and coverage.
Fully comprehensive
Fully comprehensive covers everything above plus damage to your own car, even if the accident is your fault. It’s the most popular level for both women and men.
How Can Women Reduce Their Car Insurance Cost?
The same cost-cutting strategies work for everyone, but some are worth highlighting because they align with how many women already drive.
Choose a low-group car
Cars in insurance groups 1 to 5 are cheapest to insure. Smaller engines and lower repair costs keep premiums down.
Declare accurate mileage
If you drive fewer miles than the national average, tell your insurer. Lower mileage reduces your exposure to risk and can bring the premium down.
Use a telematics policy
A telematics policy monitors your driving and rewards safe behaviour with lower renewal premiums. Drivers who brake smoothly and avoid late-night trips can save 10% to 25%.
Build your no-claims bonus
Every claim-free year earns a discount. Our guide to no-claims bonuses explains how five years of clean driving can cut your premium by up to 65%.
Pay annually
Paying annually avoids interest charges on monthly instalments, which typically run at 20% to 30% APR. That saving adds up on any premium.
Improve vehicle security
An approved alarm, immobiliser, or tracker can reduce your premium. Parking in a garage or on a driveway also helps.
Increase your voluntary excess
Raising your voluntary excess from £250 to £500 can lower your premium noticeably. Only set it at a level you could afford to pay if you needed to make a claim.
Are There Insurance Companies Specifically For Women?
Several brands, including Diamond and Sheila’s Wheels, originally launched as women-only insurers. Since the 2012 ruling, they now insure all drivers but continue to market to women.
The ABI notes that these brands offer the same gender-neutral pricing as every other insurer.
What “women’s” brands offer
Some include add-ons like handbag cover or personal belongings protection as standard. These are rebranded versions of personal possessions cover that most comprehensive policies already include.
Others promote courtesy car provision and breakdown cover as selling points. These are widely available from mainstream insurers too, so they rarely justify paying a higher premium.
Are they cheaper?
Not necessarily. Their premiums are calculated on the same risk factors as any other insurer, so the only way to know is to compare them against the wider market.
A black box policy from a mainstream insurer may work out cheaper than a women’s brand if your driving data proves you’re a low-risk driver.
Every driver on UK roads must have at least third-party cover by law, regardless of which brand you choose.
Frequently Asked Questions
Not by design, as insurers cannot use gender to set premiums. However, women tend to pay less on average because they statistically drive fewer miles, choose smaller cars, and have fewer convictions.
It was a 2011 European Court of Justice ruling that banned insurers from using gender as a pricing factor. It took effect in December 2012 and remains UK law after Brexit.
Yes, insurers still collect gender data for statistical and regulatory purposes. They cannot use it to calculate your premium or set different policy terms.
No, since gender cannot be used as a pricing factor, your gender identity has no impact on your premium. Provide the information that matches your current legal documents.
Not automatically, as these brands market to women but use the same gender-neutral pricing as every other insurer. Always compare them against the wider market to check.
Handbag cover protects personal belongings left in your car, up to a set limit. Most comprehensive policies include personal possessions cover as standard, so check before paying extra.
Age and driving experience are the biggest premium factors. Young women aged 17 to 25 pay more because they have less time on the road, not because of their gender.
Adding an experienced driver can lower the overall risk profile. Make sure the main driver is whoever uses the car most, otherwise it counts as fronting, which is fraud.
Yes, married drivers often pay slightly less. Insurers view marriage as a stability indicator, which correlates with lower claim rates.
Compare quotes from multiple insurers, choose a low-group car, declare accurate mileage, and build your no-claims bonus. Paying annually instead of monthly also avoids interest charges.
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