Car insurance for women

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A guide to car insurance for women

Updated 21 March 2024
Written by Kenneth Young
Reviewed by Adrian Taylor

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

Adrian Taylor
Executive General Manager – General Insurance

Always check for limits to your policy

Your policy might include cover for your personal items damaged in an accident, but that cover will be limited. If the replacement value of some items (like expensive baby capsules) is important to you, make sure to check any limits that may apply in the PDS.

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 a low risk.

Consider a low kilometre policy

If you aren’t out on the roads often (perhaps if you’re on maternity leave and mostly at home during the week), it would be worth considering a low-kilometre policy that could save you a bundle on your premiums.

Do women get cheaper car insurance?

Woman driving with her friendGenerally, yes – mainly due to statistics that show male drivers carry a greater risk of being involved in accidents on Australian roads than female drivers.1 The higher risk of accidents leads to a higher likelihood of car insurance claims. However, generally regarding women as safer drivers isn’t as standard as it once was for many insurance providers.

It’s hard to say what the cost of car insurance is for female drivers without completing a quote, as car insurance premiums are calculated using many different details about you (the policyholder) and your vehicle – not just your gender. Some of these details include:

  • 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 are listed at a higher premium).

Because these details are different for everyone, car insurance quotes will differ for your friends, work colleagues or family members.

What features are available in car insurance for women?

While the standard features and inclusions of car insurance policies don’t differ based on gender, some of the following features could be useful to include in your level of cover:

  • New car replacement. If your new car is written off, some insurers can replace it with the same or a similar model. Be sure to read the policy PDS as terms and conditions apply.
  • Baby capsules and child seat replacement. If either item is damaged or destroyed in a car accident, it may be covered up to a certain amount. It’s worth checking if your insurance provider’s limit will be sufficient to replace them.
  • Pay-as-you-drive. If, say, you’re on extended maternity leave and are driving less, chances are you could save a bundle by taking out a policy that offers a potentially cheaper premium for being on the road less.
  • Domestic cover. Some insurance providers can cater to women who find themselves in vulnerable situations; for example, waiving the excess for damage claims caused by your former or current spouse/partner if the incident has been reported to the police.
  • Hire car. Some policies include the option of a hire car for a period if yours is damaged or stolen. Without this option, you may have to rely on public transport, taxis or rideshares, which can be challenging.
  • Emergency transport and accommodation. If your car is damaged in an accident and not driveable, your insurer may cover the cost of emergency transport to get you home or to accommodation if this isn’t possible. Check the terms and conditions of this feature in your PDS, as some insurers may only offer this when you’re a certain distance from home.
  • Roadside assistance. Insurers may offer roadside assistance if you’ve broken down. This can be either an automatic inclusion in your policy or an optional extra.
  • Windscreen excess reduction. You may be able to lower or waive the excess for windscreen damage claims through this optional extra or standard feature.

You should always read the PDS of any policy for the inclusions and exclusions to any feature(s) that you may have in your cover, as well as the Target Market Determination (TMD) to ensure the policy is right for you.

Important to know

Does car insurance for women cover you driving while pregnant?

What is domestic cover?

What are my car insurance options?

Meet our car insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As Executive General Manager of General Insurance at Compare the Market, 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 Australian Bureau of Statistics, Causes of Death, Australia 2022. Accessed November 2023.