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Car Insurance for Girls: Finding the Right Cover at the Best Price

While there are more women drivers, females tend to be involved in fewer accidents. For example, the US Highway Safety Highway Loss Institute recorded that in 2016 almost 12,500 accidents involved male drivers, while just 5,000 were female. The Safety Resource Centre confirmed that, finding men cause over six million accidents a year, where only 4 million are determined to be women's fault.

As a result, car insurance was cheaper for women - until 2012 when the EU ruled it was illegal for insurers to use gender when calculating insurance premiums. The workaround is the creation of specialist companies that only insure women. For example, Go Girl and Diamond. These companies can offer lower rates because they work exclusively with female clients, who have those lower accident rates!

Of course, there is really nothing different between an insurance policy from a company that sells exclusively to women and one that provides cover to all genders. When comparing car insurance, the same rules apply. Make sure you compare like with like. The first choice to make for car insurance is what level of cover do you want. The lowest legal level of cover in the UK is Third Party; this only covers any other parties where you are at fault. Third-Party Fire and Theft extends that cover to loss through theft or fire, but Fully Comprehensive is the insurance type that adds cover for your vehicle and related losses in the event of an accident deemed to be your fault.

Car Insurance for Girls: Finding the Right Cover at the Best Price

It's also worth thinking about any add-ons that might be useful. For example, if your insurance includes windscreen cover or breakdown insurance, this may help with your overall motoring budget.

As a young female driver, finding affordable car insurance can be a challenge. While the EU gender directive has made it illegal for insurers to base premiums on gender alone, many other factors can still impact the cost of your car insurance.

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Factors Affecting Car Insurance Premiums for Girls

Several factors can influence the cost of car insurance for girls, including:

  1. Age and driving experience: Younger, less experienced drivers typically face higher premiums.
  2. Type of car: The make, model, and value of your car can significantly impact your insurance costs. Choosing a slower, less powerful car can help keep premiums down.
  3. Location: Insurance rates vary by postcode due to differences in accident rates, crime rates, and population density.
  4. Annual mileage: The more you drive, the higher your risk of accidents, which can lead to higher premiums.
  5. Driving history: Any accidents, claims, or penalty points can result in increased premiums.
  6. Level of cover: Comprehensive cover is more expensive than third-party options but offers greater protection.
  7. Voluntary excess: Opting for a higher voluntary excess can lower your premiums but means paying more out of pocket if you need to make a claim.

Girls' Driving Statistics

Despite common stereotypes, studies have shown that girls tend to be safer drivers than boys. Consider the following statistics:

  • According to a report by the Department for Transport, young male drivers (aged 17-24) are involved in twice as many accidents as young female drivers.
  • The same report found that young male drivers are four times more likely to be killed or seriously injured in a car accident than young female drivers.
  • A study by the University of Westminster revealed that women outperform men in driving tests, with a pass rate of 53% compared to 50% for men.

These statistics highlight the importance of considering individual driving habits and history when calculating insurance premiums, rather than relying on gender alone.

Tips for Reducing Car Insurance Costs for Girls

While you can't change your age or gender, there are several steps you can take to reduce your car insurance premiums:

  1. Choose a car with a lower insurance group rating: Opting for a smaller, less powerful car can significantly reduce your insurance costs.
  2. Increase your voluntary excess: A higher excess can lower your premiums, but make sure you can afford to pay the excess if you need to make a claim.
  3. Limit your annual mileage: The less you drive, the lower your risk of accidents, which can result in cheaper premiums.
  4. Maintain a clean driving record: Avoid accidents, claims, and penalty points to keep your premiums down.
Tips for Reducing Car Insurance Costs for Girls

Consider a black box insurance policy: Telematics insurance uses driving data to reward safe driving habits with lower premiums.

  1. Add an experienced named driver: Adding an older, more experienced driver to your policy can help reduce your premiums.
  2. Pay annually: Paying your premium in one lump sum can be cheaper than monthly instalments, which often include interest charges.
  3. Improve your car's security: Installing approved security devices can lead to lower premiums.

What Does Car Insurance for Girls Typically Cover?

When comparing car insurance policies, it's essential to understand what's covered. Comprehensive car insurance for girls usually includes:

  1. Damage to your car: Covers the cost of repairing or replacing your car if it's damaged in an accident, regardless of who's at fault.
  2. Fire and theft cover: Protects you against the cost of damage or loss due to fire, theft, or attempted theft.
  3. Third-party liability: Covers the cost of damage to other people's property or injuries to others if you're at fault in an accident.
  4. Personal possessions cover: Insures personal items like handbags, child car seats, and mobile phones if they're stolen from your car or damaged in an accident.

Courtesy car: Provides a temporary replacement vehicle while yours is being repaired following an insured incident.

  1. Windscreen cover: Pays for the cost of repairing or replacing your car's windscreen if it's damaged.

Some policies may also offer optional extras, such as breakdown cover, legal protection, and cover for driving abroad. Be sure to compare the features and benefits of different policies to find the right level of cover for your needs.

How to Compare Car Insurance Quotes for Girls

Comparing car insurance quotes is the best way to find affordable cover that meets your needs. Here's how to get started:

  1. Gather your information: You'll need details about your car, driving history, and personal circumstances to get accurate quotes.

Use a comparison website: Free Price Compare allows you to quickly compare quotes from multiple insurers, making it easy to find the best deals.

  1. Customise your policy: Adjust your level of cover, voluntary excess, and any optional extras to create a policy that suits your needs and budget.
  2. Read the fine print: Before purchasing a policy, make sure you understand exactly what's covered and any exclusions that may apply.
  3. Don't automatically renew: When your policy comes up for renewal, take the time to compare quotes again to ensure you're still getting the best deal.

Start Comparing Car Insurance Quotes for Girls Today

Don't let the cost of car insurance hold you back from enjoying the freedom of the open road. With Free Price Compare, it's easy to find affordable, comprehensive cover that meets your needs. Start comparing quotes today and see how much you could save on your car insurance premiums.

Start Comparing Car Insurance Quotes for Girls Today

Frequently Asked Questions

While the EU gender directive has made it illegal for insurers to base premiums on gender alone, other factors such as age, driving experience, and car type can still result in higher premiums for some girls. However, on average, girls tend to pay less for car insurance than boys due to their safer driving habits.

Yes, adding an experienced named driver to your policy can help reduce your premiums. Just be sure to list the main driver as the person who will be using the car most often.

Black box (or telematics) insurance involves installing a device in your car that monitors your driving habits. Safe driving is rewarded with lower premiums, making it a popular choice for young drivers looking to save money on car insurance.

Yes, you must inform your insurer if you receive any penalty points on your driving licence. Failure to do so could invalidate your policy and make it difficult to get cover in the future.

Some ways to get cheaper car insurance as a young female driver include choosing a car with a lower insurance group rating, increasing your voluntary excess, limiting your annual mileage, maintaining a clean driving record, and considering a black box insurance policy.

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Page last updated on: 09/05/2024

Page reviewed by: Shay Ramani

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