Best Auto Insurance Companies for Women (2022)
While women pay 5% less than men for car insurance, the best company for any woman depends on driving record and other factors.
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UPDATED: Aug 17, 2022
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- The cheapest auto insurance companies for women are State Farm and GEICO
- Women’s car insurance quotes average $62 a month for liability-only and around $150 a month for full coverage
- Car insurance rates for women largely depend on your insurer and where you live, as some states don’t use gender when calculating rates
Gender is just one of many factors affecting car insurance rates. Your age, driving record, and ZIP code will have more of an impact on your auto insurance costs. However, women still pay less for auto insurance than men.
Why do auto insurance companies use gender to determine rates? Statistically, men are more likely to be involved in fatal car accidents than women. In turn, insurance companies charge male drivers more and reward women’s less-risky driving behaviors with cheaper insurance rates.
The top three auto insurance companies for women are GEICO, State Farm, and Nationwide. We also found that Progressive offers cheaper quotes to women drivers with DUIs, and young female drivers often find the most affordable rates with regional and local insurers.
This guide compares auto insurance rates from the top three companies and more to determine which offers the best auto insurance for women based on age, location, and marital status.
Keep reading to learn what other variables influence car insurance costs and where you can find the most affordable auto insurance for female drivers.
What are the best auto insurance companies for women?
The top three auto insurance companies for women are:
- GEICO. Best auto insurance company for new female drivers.
- State Farm. Best auto insurance company after an accident.
- Nationwide. Best auto insurance company for discounts.
GEICO offers the most competitive rates to new female drivers under 25. Auto insurance for young female drivers will be expensive, but it’s still less than rates for young male drivers. Insurance rates begin to even out between men and women as drivers age.
However, multiple accidents or DUIs will lead to increased rates for both male and female drivers. This table shows how auto insurance rates for women vary by age and driving record with the best companies:
Age and Gender Allstate American Family Farmers GEICO Liberty Mutual Nationwide Progressive State Farm Travelers National Average
18 Y/O Male w/a Clean Record $6,223 $4,684 $7,238 $3,043 $7,593 $4,646 $7,941 $3,408 $8,750 $5,947
18 Y/O Female w/a Clean Record $5,381 $3,452 $6,879 $2,635 $6,335 $3,632 $7,090 $2,750 $6,271 $4,936
30 Y/O Male w/a Clean Record $2,118 $1,545 $1,925 $1,041 $2,373 $1,667 $1,633 $1,234 $1,274 $1,646
30 Y/O Female w/a Clean Record $2,021 $1,310 $1,843 $1,078 $2,072 $1,519 $1,569 $1,122 $1,173 $1,523
45 Y/O Male w/a Clean Record $1,919 $1,319 $1,595 $962 $2,066 $1,376 $1,261 $1,032 $1,169 $1,411
45 Y/O Female w/a Clean Record $1,941 $1,304 $1,602 $958 $2,034 $1,355 $1,340 $1,032 $1,154 $1,413
55 Y/O Male w/a Clean Record $1,820 $1,251 $1,513 $912 $1,959 $1,305 $1,196 $978 $1,109 $1,338
55 Y/O Female w/a Clean Record $1,841 $1,237 $1,519 $909 $1,929 $1,285 $1,271 $978 $1,095 $1,341
65 Y/O Male w/a Clean Record $1,878 $1,291 $1,561 $941 $2,022 $1,347 $1,234 $1,010 $1,145 $1,381
65 Y/O Female w/a Clean Record $1,900 $1,276 $1,568 $938 $1,991 $1,327 $1,312 $1,010 $1,130 $1,383
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GEICO and State Farm consistently offer the most affordable auto insurance rates for women of all ages. In addition, Progressive has the cheapest rates for women after a DUI, while State Farm offers the best rates after an accident.
However, you shouldn’t settle for the first auto insurance quotes you get. Even the most popular car insurance companies aren’t available in every state, and your rates will vary based on the coverage available in your ZIP code.
You’ll need to consider age, driving record, and available discounts to find the best auto insurance rates for women. Female drivers can also secure the cheapest auto insurance by comparing multiple companies at once.
Scroll down to see how the top 10 auto insurance companies for women compare with rates by state for young female drivers, senior drivers, and single women.
Best Cheap Insurance for Women by State
Location has a significant impact on auto insurance for women. Factors such as accident rates, vehicle thefts, and the average cost of new vehicles in your state affect how much women pay for car insurance.
This table shows the average cost of full coverage car insurance by state to give you an idea of how rates can vary:
State Average Annual Car Insurance Rates Average Monthly Car Insurance Rates
Alabama $837.09 $69.76
Alaska $1,050.09 $87.51
Arizona $900.18 $75.02
Arkansas $951.75 $79.31
California $939.52 $78.29
Colorado $1,132.78 $94.40
Connecticut $981.77 $81.81
Delaware $1,324.39 $110.37
District of Columbia $1,208.77 $100.73
Florida $991.25 $82.60
Georgia $858.16 $71.51
Hawaii $673.13 $56.09
Idaho $854.10 $71.18
Illinois $728.93 $60.74
Indiana $683.67 $56.97
Iowa $850.79 $71
Kansas $917.49 $76.46
Kentucky $1,364.17 $113.68
Louisiana $689.12 $57.43
Maine $1,096.37 $91.36
Maryland $1,107.76 $92.31
Massachusetts $689.12 $57.43
Michigan $1,264.20 $105.35
Minnesota $856.62 $71.39
Mississippi $957.59 $79.80
Missouri $845.39 $70.45
Montana $868.55 $72.38
Nebraska $805.99 $67.17
Nevada $1,083.42 $90.29
New Hampshire $795.50 $66.29
New Jersey $1,379.20 $114.93
New Mexico $920.42 $76.70
New York $1,327.82 $110.65
North Carolina $768.28 $64.02
North Dakota $768.09 $64.01
Ohio $766.66 $63.89
Oklahoma $985.58 $82.13
Oregon $894.10 $74.51
Pennsylvania $950.42 $79.20
Rhode Island $1,257.40 $104.78
South Carolina $936.69 $78.06
South Dakota $744.28 $62.02
Tennessee $855.56 $71.30
Texas $1,066.20 $88.85
Utah $852.66 $71.06
Vermont $746.79 $62.23
Virginia $836.14 $69.68
Washington $952.10 $79.34
West Virginia $1,032.45 $86.04
Wisconsin $716.83 $59.74
Wyoming $844.33 $70.36
National Average $1,215.69 $101.31
New York, Louisiana, and Florida are the most expensive states for women. However, these states are more expensive than average for most drivers due to high traffic and accident rates.
If you’re a female driver in one of these three states, compare auto insurance quotes every month to guarantee you’re paying the lowest possible rates.
What are the cheapest states for women? Idaho, Maine, New Hampshire, Ohio, and Vermont are the top five cheapest states for women’s auto insurance.
Still, some states don’t allow insurers to use gender when setting rates. So if you live in a state where auto insurance is the same for men and women — California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, or Pennsylvania — female drivers may notice they pay the same rates as males based on age and driving record.
Best Cheap Insurance for New Female Drivers
According to the National Highway Traffic Safety Administration (NHTSA), young drivers have the second-highest number of accident-related deaths in the country. The NHTSA also reports that more than twice the number of males were involved in fatal accidents than female drivers.
These statistics are reflected below in the auto insurance rates for new and young female drivers compared to males:
Insurance Company 16-Year-Old Male With a Clean Record 16-Year-Old Female With a Clean Record 18-Year-Old Male with a Clean Record 18-Year-Old Female with a Clean Record
Allstate $7,654 $7,299 $6,223 $5,381
American Family $5,761 $4,682 $4,684 $3,452
Farmers $8,901 $9,330 $7,238 $6,879
GEICO $3,743 $3,573 $3,043 $2,635
Liberty Mutual $9,339 $8,592 $7,593 $6,335
Nationwide $5,714 $4,926 $4,646 $3,632
Progressive $9,766 $9,617 $7,941 $7,090
State Farm $4,191 $3,730 $3,408 $2,750
Travelers $10,762 $8,506 $8,750 $6,271
National Average $7,315 $6,695 $5,947 $4,936
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Drivers under 25 years old pay the most for car insurance due to their inexperience and increased risk on the road. However, young female drivers still pay less than their male counterparts.
GEICO offers insurance quotes for teen drivers that often cost half that of other companies, but the rates are still more expensive because of the added risk of insuring teens. So comparing auto insurance quotes from multiple companies is essential.
For example, we found that the best auto insurance for drivers under 25 comes from regional insurers, like Erie Insurance and Metromile.
So while GEICO and State Farm are popular companies providing cheap auto insurance for new female drivers, you may find more affordable quotes for young drivers with a smaller local company.
Best Cheap Insurance for Women Over 50
Auto insurance rates decrease as drivers age, and women over 50 often pay the lowest rates. Insurance rates can start to increase after drivers turn 65, but senior women still pay less than men and younger drivers.
Use this table to compare auto insurance quotes for women over 50 from the top insurers in the country:
Insurance Company 55-Year-Old Male With a Clean Record 55-Year-Old Female With a Clean Record 60-Year-Old Male With a Clean Record 60-Year-Old Female With a Clean Record 65-Year-Old Male With a Clean Record 65-Year-Old Female With a Clean Record
Allstate $1,820 $1,841 $1,847 $1,797 $1,878 $1,900
American Family $1,251 $1,237 $1,190 $1,175 $1,291 $1,276
Farmers $1,513 $1,519 $1,474 $1,383 $1,561 $1,568
GEICO $912 $909 $892 $872 $941 $938
Liberty Mutual $1,959 $1,929 $1,890 $1,758 $2,022 $1,991
Nationwide $1,305 $1,285 $1,253 $1,189 $1,347 $1,327
Progressive $1,196 $1,271 $1,143 $1,105 $1,234 $1,312
State Farm $978 $978 $912 $912 $1,010 $1,010
Travelers $1,109 $1,095 $1,065 $1,052 $1,145 $1,130
National Average $1,338 $1,341 $1,296 $1,249 $1,381 $1,383
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Again, State Farm and GEICO are the best auto insurance companies for women based on price. However, these quotes are for drivers with clean records, so your rates will likely be higher if you’ve been in an accident or cited for speeding.
Best Cheap Insurance for Single Women
Marital status affects women’s car insurance rates because married couples are statistically less likely to file a claim. Insurance companies also consider couples more financially stable and, therefore, more likely to choose higher deductibles in exchange for lower rates.
See how auto insurance rates for single drivers vs. married couples compare:
Single women pay less than single men, but married couples save more on car insurance. The best insurance companies for married couples offer multi-car discounts when you insure more than one vehicle. Keep reading for more ways to find car insurance discounts for women.
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How to Find Auto Insurance Discounts for Women
Auto insurance companies don’t offer specific discounts for women, but they can still save with occupational or membership discounts.
For example, GEICO offers discounts to female drivers who are members of the Society of Women Engineers. Many sorority members and university alumna can also earn discounts from other insurers.
Below are discounts you should ask for as a female driver:
- Group affiliation discounts. Employers, unions, and universities often negotiate with insurance companies to discount member rates.
- Bundling discounts. If you have more than one insurance policy with a company, you can bundle your coverage for up to 25% off with some insurers.
- Equipment discounts. Did you recently install new safety or anti-theft equipment in your car? Update your insurance policy and ask your insurer how much you can save with an equipment discount.
- Early signing discounts. Most insurers offer 10% to 15% off your rates when you buy new auto insurance before your old policy ends.
- Usage-based discounts. Female drivers with safe driving habits and short commutes can secure cheaper rates with usage-based auto insurance and discounts.
- Safe driving discounts. Safe drivers pay less for auto insurance, and many companies reduce rates yearly if you remain accident-free.
- Claim-free discounts. Insurance companies also reduce rates for drivers who avoid filing claims before their renewal period, and drivers can double their savings when stacking this with safe driving discounts.
Auto insurance discounts for women will depend heavily on where you live and your unique insurance profile.
Most companies automatically apply discounts you qualify for based on your application but don’t hesitate to ask insurers about additional discounts. If your insurer doesn’t provide the discounts you want, shop for new auto insurance quotes with different companies to save.
Insurance Company Total Number of Discounts Highest Discount Amount Best Discounts
Allstate 29 45% Usage-based and
American Family 27 40% Best value in
Farmers 34 5% Married and
GEICO 31 40% Teen drivers and
those with a speeding
ticket or accident
Liberty Mutual 38 35% Vehicle recovery
Nationwide 35 40% Teen drivers and
best value in
Progressive 36 31% Poor credit and DUI
State Farm 19 50% Poor driving record
Travelers 28 30% Middle-aged drivers
and poor credit
USAA 28 15% Military
(especially if single)
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We found that Nationwide offers more discounts and higher percentages than other companies on our list.
In addition, Traveler’s and American Family offer more discounts to senior drivers. If you’re interested in usage-based discounts, consider comparing Allstate insurance quotes against other insurers in your area.
As you can see, discounts vary from company to company, so shop around and compare multiple insurers to find one offering the most policy discounts.
Which gender pays the most for auto insurance?
Statistically, men drive more than women, increasing their risk of an accident or collision. Male drivers are also more likely to engage in risky driving behaviors, like speeding and driving under the influence of drugs or alcohol. All of these factors increase car insurance rates for men.
On average, female drivers over 25 pay 5% less than men for auto insurance coverage. Teen female drivers pay around 7% less than teen males.
Do women get better car insurance?
No, coverage and policy options are the same for all drivers based on location. Auto insurance rates are often cheaper for females because females are statistically less likely to get into an accident.
Why is gender used to determine auto insurance?
Gender is a standard variable many research industries use to analyze auto accident and collision data, including the NHTSA, the U.S. Department of Transportation, and the Insurance Institute for Highway Safety.
Insurance companies use this safety data, combined with individual driving records and local accident and auto theft statistics, to determine rates for male and female drivers.
Ultimately, it all comes down to risk — since male drivers are more likely to get into an accident than female drivers, insurance companies offer women car insurance that is cheaper.
However, female drivers with accidents pay higher rates than males with clean driving records or claim-free insurance histories. So if you’re shopping for auto insurance after an accident, keep reading for different ways to save money on women’s insurance coverage.
How to Save Money on Women’s Auto Insurance
The easiest way to find cheap car insurance for women is by avoiding accidents, speeding tickets, and maintaining a good driving record. Companies give the lowest auto insurance quotes to women with clean driving records and more experience behind the wheel.
Clean driving records also earn women discounts on auto insurance, including safe driver, claim-free, and group affiliation discounts. Insurance discounts vary by company, so ask for a company's discount offerings when comparing quotes.
Even if you don’t qualify for multiple discounts or have an accident on your record, you can still save money on women’s car insurance by making policy changes.
Reduce Your Coverage
Lowering your coverage levels decreases your auto insurance rates. For example, if you drive an older vehicle that costs more to repair than it’s worth, you can reduce your coverage to liability-only.
Liability-only auto insurance is the cheapest policy drivers can buy — just ensure you maintain the minimum coverage required in your state. If you fail to carry enough car insurance, you could lose your driver’s license.
Read your policy closely before changing coverage. While nearly every state requires liability insurance, you often need full coverage if you lease a vehicle or pay an auto loan. Therefore, you may not be able to change coverages until your loan is paid in full.
Before making any changes, you should also consider your budget and coverage needs. Auto insurance protects drivers from paying out of pocket for repairs and medical costs. If you reduce your coverage, you'll be responsible for all expenses exceeding your policy limits.
Increase Your Deductibles
If reducing coverage isn’t an option, consider raising your deductibles to get cheaper auto rates. Deductibles are how much you pay upfront before the insurance policy starts to cover costs. The more you pay, the less risk to the insurance company, and you'll see lower rates at your next renewal.
However, like with reducing coverage, consider your budget and needs. Decide how much you’re willing to pay for repairs out of pocket, and don't pick deductible amounts exceeding your budget.
Compare Auto Insurance Quotes
You can compare auto insurance quotes online once you know how much coverage you need and how high your deductibles can be. As a rule of thumb, older vehicles and female drivers with clean records will get the cheapest online insurance quotes.
Each company assesses driver risk differently. So look for the best auto insurance companies for women that offer discounts and affordable rates.
GEICO offers the cheapest rates to young female drivers, but State Farm offers more affordable coverage after an accident. If you’re looking for discounts, Nationwide has the largest list of auto insurance discounts for female and male drivers.
While these national companies offer competitive rates, you may still find cheaper quotes with a local insurer. So compare quotes from at least three companies in your neighborhood before buying to guarantee you’re paying the lowest possible rates for women drivers in your area.
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Frequently Asked Questions
Is auto insurance more expensive for male or female drivers?
Car insurance is more expensive for males than female drivers since male drivers are more likely to engage in reckless driving behaviors and be the victims of fatal auto accidents, especially young male drivers.
Male vs. female auto insurance rates get smaller as drivers age and gain more experience on the road, but women still pay an average of 5% less for coverage.
Who has cheap auto insurance quotes for female drivers?
The cheapest auto insurance quotes for female drivers are with GEICO. State Farm offers the most reasonable quotes after an accident, and Progressive gives lower car insurance quotes to female drivers with DUI or DWI charges.
Age and driving record will impact quotes more than gender, so shop with multiple companies to see which can offer you the best quotes.
Which group pays more for auto insurance – single or married women?
Single women pay more for auto insurance than married women since insurers consider married couples more financially secure and less risky to insure.
For example, married couples often have a combined income, are more likely to have higher deductibles, and are less likely to file a claim. They’re also more likely to have multiple drivers and vehicles on one policy, earning them additional auto insurance discounts.
However, single women still pay less for coverage than single men. Single drivers of all genders can also qualify for membership, safe driving, and claim-free discounts to further reduce rates.
At what age does insurance go down for female drivers?
Young drivers pay the most for auto insurance, but auto insurance rates go down for female drivers after they turn 25. Rates remain low until women turn 65, but senior women still pay less for car insurance than female drivers under 25 years old.
To find cheap insurance for young female drivers, compare auto insurance quotes from multiple companies and consider adding the teen driver to an existing policy. While it may raise your rates some, it’ll still be cheaper than opening a new policy for a young female driver.
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