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While some insurers cater to women, car insurance coverage doesn’t differ significantly based on your gender. In fact, a variety of factors affect the price of cover – not just one. For example, age, driving history, choice of vehicle, where you live, and more can all play a part in the premium calculation.

What does differ is the value of different policies. Regardless of who you are, it’s important to know what will suit your needs. As such, there are few things you should know about car insurance for women, which we’ve taken the time to compile into a short, straightforward guide.

Busting the myth of female drivers

No doubt you’ve heard the childish and sometimes rude jokes about female drivers (usually about them being unsafe or ‘bad’ drivers). So, is there any truth to this?

According to the statistics, not really. In 2018, male drivers accounted for a staggering 74.3% of the total 1,145 road fatalities on Australian roads.¹ In fact, men had made up the majority of road fatalities each year since at least 2009.

This is only to say that, regardless of gender, all of us may encounter dangers on the roads, which is why we should all consider the right protection when behind the wheel.

A comprehensive car insurance policy can help pay for the cost to repair or replace your vehicle, as well as anyone else’s expenses involved in accidents where you are at fault. It also covers your expenses if a third party isn’t responsible for an accident (e.g. storm damage).

 

What features should you look for in car insurance?

While the features and inclusions of car insurance policies don’t tend to differ based on sex, you might find some of the following features useful to include in your policy:

  • Hire car. Some policies include the option of a hire car for a period of time after yours is damaged or stolen. Without this option, you may be left taking public transport, taxis or rideshares.
  • Emergency transport and accommodation. If your car breaks down, your provider may cover the cost of emergency transport to get you home, or accommodation if transport home isn’t possible. Make sure to check the terms and conditions of this feature in your Product Disclosure Statement (PDS), as some providers may only offer this feature when you’re a certain distance from home.
  • Towing. Some car insurance providers will include towing in their comprehensive policies if the car is involved in an accident, usually up to a certain kilometre distance (e.g. 100 km).
  • Roadside assistance. Providers may offer roadside assistance as either an automatic inclusion or as an optional extra. This is a handy option to have if you find yourself broken down on the side of a road nowhere near your home.

Mum and two kids wait while roadside assistance fixes their car

How much does car insurance for women cost?

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

  • The make, model, age and kilometres of your car;
  • Your claims history;
  • Where you park your car at night; and
  • Your address and age.

Because these details are different for everyone, your premiums won’t be the same as your friend, work colleague or even your family.

If you want to know how much you might pay for car insurance, you can complete a quote through our car insurance comparison service.

It’s fast, simple and free to use! Just enter in some details – like the ones we listed above – and you can compare a range of car insurance products in minutes. Simples!

Sources

¹ Bureau of Infrastructure, Transport and Regional Economics (BITRE) – Road trauma Australia 2018 statistical summary, BITRE, Canberra ACT. Published August 2019. Accessed November 2019

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