Car insurance for women
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.
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?
Aside from the mandatory Compulsory Third Party (CTP) insurance or your state’s equivalent cover (e.g. Green Slip in NSW), there are three types of car insurance products available in Australia:
- Comprehensive
- Third Party Fire and Theft (TPFT)
- Third Party Property Damage (TPPD).
The table below gives a general summary of what’s typically covered by each level of car insurance.
| Insurance type | Collision damage to own vehicle | Damage to another person’s car or property | Damage or loss caused by fire or theft | Injuries or death to other people in an accident |
|---|---|---|---|---|
| Comprehensive | ✓ | ✓ | ✓ | ✗ |
| TPFT | ✗* | ✓ | ✓ | ✗ |
| TPPD | ✗* | ✓ | ✗ | ✗ |
| CTP/ Green Slip | ✗ | ✗ | ✗ | ✓ |
| * Some insurers may provide limited cover for your car if it’s damaged in a car accident by an uninsured driver. | ||||
What features are available in car insurance?
The following features may be available either as standard or optional cover, irrespective of gender:
- Hire car. Some policies include the option of a hire car if yours is damaged and needs to be repaired.
- 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.
- New car replacement. In certain circumstances, if your new car is written off and meets the policy criteria, the insurer will replace it with the same or a similar model.
- Baby capsules and child seat replacement. If either item is damaged or destroyed in a car accident, it could be covered up to a certain amount.
- Pay-as-you-drive. If you’re driving less due to parental leave or other circumstances, you could save by taking out a policy that offers a cheaper premium for being on the road less.
You should always read the Product Disclosure Statement (PDS) of any policy to get a better idea of the inclusions and exclusions of your cover. It’s also worth reading the Target Market Determination (TMD) to ensure the policy is right for you.
Does car insurance cover you driving while pregnant?
Yes – you’re covered as normal throughout your pregnancy unless a medical practitioner has advised you cannot drive, or you’ve been prescribed medication that can inhibit your driving ability.
Meet our car insurance expert, Adrian Taylor
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.
Want to know more about car insurance?
¹ Department of Infrastructure, Transport, Regional Development, Communication and the Arts – Monthly road deaths (Reference period: March 2020 – March 2025). Accessed May 2025.