Women's Car Insurance

Compare car insurance options for women online today.

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, updated on February 15th, 2024       

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Car Insurance Banner - Young woman smiling while driving a car.

Car insurance is an essential aspect of owning and driving a vehicle, so it’s crucial your policy meets your requirements. Women taking out car insurance have a range of options to choose from, depending on their specific needs, so it’s important to understand what these are.

If you're a woman looking for car insurance coverage, you can compare a range of quotes from leading insurers online. Get started with a free, no-obligation quote today.

Is car insurance cheaper for women in Australia?

In Australia, women generally benefit from slightly lower car insurance premiums than men. This is largely down to statistics showing that men cause significantly more car accidents than women in Australia, which insurance companies take into account when setting insurance rates. According to the Bureau of Infrastructure and Transport Research Economics, only 25.8% of road fatalities in Australia across 2022 were women.

As such, women are seen as lower risk and may be offered insurance at a cheaper cost. However, this is just one of many factors insurance providers consider when determining premiums. It's important to be aware of the other factors that can impact the cost of your car insurance premium as a female driver.

What else impacts car insurance premiums for women?

Car insurance premiums in Australia are influenced by several factors beyond gender. These factors include but aren’t limited to:  

  • Age: younger and inexperienced drivers often face higher premiums due to the perceived higher risk associated with their age group.
  • Driving history: a driver's record, including any accidents, traffic offences or claims, can impact insurance rates. Safe driving with no or few incidents can lead to lower premiums.
  • Type of vehicle: the make, model, age and value of your car can affect insurance rates; for example, vehicles that are more expensive to repair could result in higher premiums.
  • Location: where your car is primarily parked or driven can impact insurance rates, with factors such as crime rates and congestion in the area potentially influencing premiums. Garaged vehicles may attract lower premiums than those parked on the street.
  • Coverage: the type of coverage and additional features selected, such as roadside assistance or additional drivers, can also affect premiums.

How can I keep my car insurance costs down?

You can help keep your car insurance costs down with a few key strategies:

  • Maintain a good driving record: safe driving habits and avoiding traffic violations and accidents can lead to lower insurance premiums, as a clean driving record demonstrates responsible behaviour to insurers.
  • Choose appropriate coverage levels: evaluate your insurance needs carefully and look for coverage that provides adequate protection without unnecessary expenses.
  • Explore discounts and incentives: many insurers offer discounts based on various factors such as booking online or bundling insurance.  
  • Increase your excess: a higher excess means you'll pay more in case of a claim, but it can also result in lower premium costs.
  • Compare quotes: looking at car insurance quotes from different providers can help you find the most affordable policy available to you. 

Types of car insurance you can choose from

Common questions about car insurance for women

Does my car insurance cover me for driving while pregnant?

Your car insurance should cover you for driving when pregnant and after giving birth. However, if a medical practitioner has advised you not to drive (for example, after a caesarean section) and you still choose to do so, you may not be covered for an incident that arises as a result.

Can men take out car insurance with a women-focused insurer?

While women-focused insurance providers may cater primarily to female drivers and offer certain benefits tailored to their needs, men are also eligible to purchase car insurance with them. However, most car insurance providers in Australia do not differentiate between male and female customers in their coverage offerings.

Will my premiums increase if my daughter drives my car as a learner driver?

Whatever their gender, if you add a learner driver to your car insurance policy, your premium could increase. Insurance companies consider learner drivers to be at higher risk of accidents due to their lack of experience and may adjust premiums to account for this. Claims made while a learner driver is at the wheel can also attract an additional excess. However, premium adjustments may not always be the case, so it’s important to check with your insurance provider to understand the specific terms and conditions of your policy.

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Savvy’s comparison service includes selected products from a panel of trusted insurers and does not compare all products in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy. We always recommend readers to consult the Product Disclosure Statement (PDS) of different policies before purchasing your car insurance.