Car insurance for women

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Women account for over half of all licensed drivers in the U.S., with over 115 million women licensed to drive in 2019. The national average annual cost for full coverage car insurance for women is $1,532, according to rates pulled from Quadrant Information Services. Understanding if, how and why your gender affects your car insurance and what you can expect to pay on average in your state might help you make a more informed decision about your coverage.

Bankrate Insight
  • 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 insurance mandated by the state. Women who own or operate vehicles regularly are required, like all other drivers, to have a car insurance policy that meets the state minimum requirements if applicable. In most areas of the country, your gender will be used as a rating factor when determining how much you pay for car insurance coverage. Your gender is just one of many rating factors that could be used; other rating factors include your driving history, the type of vehicle you drive and the coverages you choose.

However, seven states — California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania — do not allow insurance companies to use gender as a rating factor. Men and women in these states might pay close to the same amount for coverage, assuming that all other rating factors are equal.

How much do women pay for car insurance?

The cost of car insurance for women varies based on numerous additional rating factors, such as age, location, vehicle type and coverages chosen. The average cost of full coverage car insurance in the U.S. for women is $1,532 per year, slightly lower than the overall national average cost for full coverage of $1,674 per year.

Car insurance rates for women by age

Younger drivers, in general, tend to pay more for insurance. The more experience you have on the road, the more likely an insurance company 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 location also plays a role in how much you will pay for car insurance. Each state has different insurance laws, and the likelihood of getting into an accident and the severity of those accidents can vary.

Average annual full coverage car insurance premium for women by state
State Average cost for 40-year-old woman
Alabama $1,649
Alaska $1,645
Arizona $1,566
Arkansas $1,926
California* $2,133
Colorado $2,041
Connecticut $1,827
Delaware $1,828
Florida $2,392
Georgia $2,000
Hawaii* $1,145
Idaho $1,060
Illinois $1,505
Indiana $1,269
Iowa $1,268
Kansas $1,711
Kentucky $2,162
Louisiana $2,766
Maine $972
Maryland $1,861
Massachusetts* $1,266
Michigan* $2,397
Minnesota $1,689
Mississippi $1,798
Missouri $1,665
Montana* $1,781
Nebraska $1,529
Nevada $2,325
New Hampshire $1,290
New Jersey $1,793
New Mexico $1,441
New York $2,383
North Carolina* $1,367
North Dakota $1,268
Ohio $1,034
Oklahoma $1,888
Oregon $1,379
Pennsylvania* $1,480
Rhode Island $2,035
South Carolina $1,517
South Dakota $1,691
Tennessee $1,336
Texas $1,844
Utah $1,320
Vermont $1,279
Virginia $1,296
Washington, D.C. $1,889
Washington $1,159
West Virginia $1,514
Wisconsin $1,202
Wyoming $1,428

*These states do not allow gender to be used as a rating factor.

Cheapest states for women

The national average cost of full 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 gender to be used as a factor in car insurance premiums, but the state has below-average prices for full coverage car insurance in general, at $1,127 compared to the national average 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 yearly cost for full coverage insurance 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 insurance premiums in general, although the average rates differ slightly when applied only to women.

Michigan does not allow gender to be used as a rating factor in car insurance premiums, but the state is already the fourth-most expensive state for full coverage car insurance, according to Bankrate’s study of average 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 old you are and where you live. Some data reflects that women pay more for car insurance than men, which is true in some cases. At some ages and in some states, women pay more than men, but the reverse is also true. In some states, including Connecticut, Maryland and Washington, women pay less than men, on average. Men are typically considered to be riskier drivers than women. Statistics show that men tend to get into more accidents and more severe accidents than women.

However, although your gender likely impacts your premium (depending on where you live), other rating factors will have a much more significant effect. For example, a woman with a clean driving record is likely to pay less than a man with several accidents, tickets or DUI convictions. Similarly, a woman insuring a high-end luxury car for full coverage will probably pay more than a man insuring a more modest vehicle.

How to find cheap car insurance for women

Finding cheap car insurance may be a priority for many women. Luckily, there are things you can do that might help control your insurance premium.

Safe driving habits

You will likely pay significantly less for auto insurance if you practice safe driving habits. Accidents, tickets and DUI convictions can raise your insurance rates significantly. Keeping a clean driving 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 rating algorithm, which weighs your rating 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 company and each state has different discounts, some common discounts include bundling your home and auto insurance with the same company, taking part in a telematics program and paying in full.

Frequently asked questions

What is the best car insurance company for women?

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

What age does car insurance go down for females?

Around age 25, women should typically start to see their car insurance premiums decrease if they have maintained a clean driving record. Teenagers and young drivers typically cost more to insure due to their lack of experience; car insurance companies view young drivers are more likely to get into an accident than their adult counterparts.

Do women pay less for insurance than men?

Some data suggests that women pay more for car insurance, but the actual cost of your coverage depends on several factors. At some ages and in some states, women pay slightly more than men for insurance. For example, a 40-year-old woman in Nevada pays an average of $2,325 per year for full coverage, while a 40-year-old man pays $2,164. But in Wyoming, full coverage costs 40-year-old women $1,428 per year on average, while it costs men of the same age about $1,562.

But when it comes to younger drivers, women tend to pay much less. A 22-year-old woman, for example, pays a national average cost of $2,495 per year for full coverage, while a 22-year-old man pays about $2,828.

Methodology

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 clean driving record, good credit and the following full 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 minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner.

Gender: the following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania.

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with nearly a decade of experience in the insurance industry as a licensed insurance agent.
Edited by
Insurance Editor