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Ava Lynch

Insurance Analyst

  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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Beth Swanson

SEO Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

Finding affordable car insurance as a woman

Although gender is not a major rating factor, car insurance companies see it as a way to predict and price for risk. Let’s explore the ins and outs of finding car insurance for women, starting with the most affordable companies.

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Key Takeaways

  • Although it is being phased out in many states, gender is still often used to determine car insurance rates - like many other attributes
  • Look for discount options: good driver, military, multi-car, and preferred payment are some possibilities you may qualify for
  • Consider what coverage you currently have and if it is completely necessary based on your particular vehicle
  • The best way to find cheap car insurance as a woman is to look - compare rates and find the best company for your needs

Do you need insurance now?

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Cheapest car insurance companies for women

Using our methodology, we discovered that USAA is the cheapest car insurance company for women. At $1,338 annually, USAA is about $370 cheaper per year than the group average. If you do not qualify for USAA, as you have to be a military or family member, Nationwide is the next cheapest option, setting female drivers back an average of $1,461 per year, or about $122 per month.

Company Avg. Annual Premium
USAA $1,338
Nationwide $1,461
GEICO $1,521
State Farm $1,569
Farmers $1,776
Progressive $1,909
Allstate $2,382

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Why is gender used to determine car insurance premiums?

Like many attributes, gender can tell an insurance company what kind of driver and client you might be. For young clients, male drivers under 25 face car insurance rates significantly higher than those assigned to young female drivers. An insurance company sees young male drivers as more likely to get into an accident or moving violation. Thus, they’re more expensive to insure. As drivers get older, women may pay slightly more for car insurance. 

Gender Avg. Annual Premium
Male $1,760
Female $1,734

States are starting to phase this methodology out. Hawaii, Massachusetts, Pennsylvania, North Carolina, California, and Montana are the states that do not consider gender as a rating factor. Furthermore, California, Washington DC, and Oregon recognize non-binary gender options. Currently, women pay more than men in 25 states and pay less in 21 states.

How to save on car insurance

Although the rate difference between male and female drivers is only slightly different, let's explore some other ways for female drivers to save on auto insurance.

Consider auto insurance discounts

Multi-policy: This discount refers to having two types of insurance policies under one insurance company. Common policies are home/auto or renters/auto. The discounts affect both your policies, typically. Here are the typical amounts of discount you can receive.

home and auto bundle
Homeowner Status Avg. Annual Premium
Home Owner With Multi-Policy $1,562
Condo Owner With Multi-Policy $1,592
Renter With Multi-Policy $1,677

Defensive Driver Discount: This discount entails taking an actual defensive driving course and then presenting your insurance company with proof (sometimes a receipt or transcript) of it. The logic behind this discount is clear - a safer driver makes you a cheaper client because you’re less likely to have a claim. Prior to taking the course, however, make sure your company accepts this discount.

Equipment Discount: If your car comes with anti-theft devices or if you have services like LoJack, your insurance company usually provides you with a discount. The discount tends to be smaller than a multi-policy or defensive driver discount, but can still help with making premium payments.

Safety/Anti-Theft Device Avg Annual Premium Discount
None $1,323  
Passive Disabling Device $1,312 $10
Tracking Device $1,314 $9
Audible Alarm $1,317 $6
Electronic Stability Control $1,318 $5

You should consider that these discounts, while not a huge amount, are averaged amount across all insurance companies and across all states. Some states and some insurance companies might give more.

Good Driver Discount: This discount is available if you have a clean driving record, free of accidents or citations. This is typically a higher-value discount, oftentimes automatically added to your policy when your Motor Vehicle Report is pulled at the inception of your policy. Still, if you are sure you have a clean driving record and are not receiving a discount, speak with your insurance company and ask if they offer a discount for good drivers. In addition to the added bonus of this discount, you stand to benefit by not having your premium raised due to a claim or citation.

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Military Discount: Many companies offer discounts for active or former military members and their families. The amount and qualifications differ per company so speak with your company to see if this discount is offered!

Multi-car discount: Like a multi-policy discount, a multi-car discount refers to having more than one car with a single insurance company. Typically, the discount is automatically added either at the policy inception (if two cars were originally added) or when you add the second vehicle to the policy.

Preferred Payment Discount: This discount refers to the manner in which you make your insurance payments and has tiers, typically. For example, if you pay your entire premium upfront, you are often given a discount which is usually the highest preferred payment discount. Moreover, if you set up automatic payments from a bank account, you can often receive an “EFT discount.” If you are able to pay upfront or through automatic payments, this is a discount worth considering. The amounts of these discounts are featured below.

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Savings with Paid in Full Savings with EFT
$61 $27

Profession Discount: This discount goes by many names but the idea is the same. Some insurance companies will give you a discount based on your occupation. Statistically, some occupations like teachers, physicians, or police officers are less likely to file a claim. Because of this, some insurance companies return the savings back to you. Usually, they will require you to submit some type of proof of your profession - a photocopy of your degree is common.

Learn more about these in our guide: Affinity Membership Discount for Car Insurance.

Good Student Discount: If you or your children have the grades, typically above a 3.0 GPA, speak with your insurance company about a good student discount. Normally, they’ll ask for a transcript every policy period (6-12 months) as proof.

For more information, check out our article regarding student discounts here.

Changing your coverage

If your vehicle is worth less than $4,000, you do not need comprehensive and collision coverage. Typically, the amount of premium you pay for this coverage isn’t worth the payout you would receive if your vehicle was totaled. You can determine the value of your vehicle by using online tools like NADA and Kelley Blue Book.

If your vehicle is worth more than $4,000, consider raising your deductible. By raising your deductible, you lower your premium.

Only use your coverage when necessary

Most companies will apply a surcharge to your policy if you use your coverage. While it can vary, the surcharge can remain on your premium for 3-5 years. Below are some average premium increases after an accident.

Accident/Violation Avg. Annual Premium
Speeding 16 - 20 MPH over limit $2,190
At-fault accident - greater than $2000 $2,605
Reckless driving $3,187
Racing $3,291
DUI $3,441

If you’re unsure of whether or not to file a claim, see our State of Insurance analysis and determine how much an at-fault accident would raise rates in your state. Consider the premium increase over three years and your deductible (as you would have to pay it in the event of a claim). For example, if your premium increased $309 the first six months, a three-year surcharge would equate to a total of $1,851. If you have a deductible of $500, the total claim would cost you $2,351. Meaning, if you wanted to file a claim, the value of damage should be greater than $2,351. You can determine the value of damage by getting an estimate at a local mechanic.

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Compare car insurance rates

The best way to find the cheapest car insurance company as a woman is to look. Enter your ZIP code below to see quotes from local and national companies for your driving profile.

Compare top insurance companies today!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.