Car insurance for women

Average customer rating: 4.3/5
Written by Kenneth Young
Reviewed by Eliza Buglar
Expert reviewed by Adrian Taylor
Updated 19 June 2025

Tips on car insurance for women from our expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

Maintain a good driving record

Your driving record is essential to keeping your insurance costs down regardless of your gender. Driving safely is one of the best ways to do this as it may signal to your insurer that you’re less likely to make a claim.

Consider a low kilometre policy

If you aren’t out on the roads as often as you used to be, it could be worth considering a low-kilometre policy, which could save you money on your premiums.

Compare your options

Policy features and limits can differ depending on your insurer. So, if you’re looking to cover a baby capsule or any other personal items in your car, it’s worth comparing your options to find cover that suits you.

Is car insurance cheaper for women?

Statistics show that women are less likely to be involved in a fatal car accident than men,1 and insurers tend to favour safe drivers. However, car insurance premiums are calculated based on various different details about you and your vehicle, including:

  • The make, model, age and odometer reading of your car
  • Your claims and driving history
  • Where your car is parked at night
  • Your address and age (young drivers generally attract higher premiums).

 

Car insurance types and features

What are my car insurance options?

What features are available in car insurance?

Does car insurance cover you driving while pregnant?

Meet our car insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As a General Insurance expert with over 13 years’ experience in financial services, Adrian Taylor is passionate about demystifying car insurance for consumers, so they have a better understanding of what they’re covered for. Adrian’s goal is to make more information available from more insurers, to make it easier to compare and save.

¹ Department of Infrastructure, Transport, Regional Development, Communication and the Arts – Monthly road deaths (Reference period: March 2020 – March 2025). Accessed May 2025.