Car insurance for women

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The average annual cost of full coverage car insurance for women is $2,511.

Our analysis also revealed that several states — including California, Hawaii, Massachusetts, Michigan, Montana North Carolina, and Pennsylvania — prohibit insurers from using gender as a rating factor when setting auto insurance premiums. As a result, men and women pay nearly identical rates in these regions.

To help drivers find more affordable coverage, we compared rates across multiple carriers and discovered that American National Finance offers one of the lowest rates for female drivers, averaging $827 per year.

Let’s take a closer look at how car insurance costs for women are determined and the key factors that influence these rates.

What is the average cost of car insurance for female drivers?

Car insurance costs for women can differ based on things like age, location, driving history and the kind of coverage selected. While gender is just one factor among many, women tend to see lower rates compared to men. Understanding how factors like age, location, driving history, and coverage level affect pricing empowers drivers to identify the most cost-effective policies and avoid overpaying for unnecessary coverage.

Below is the average annual car insurance premium estimate for female drivers by different coverage levels

The averages are based on insurance for a married 40-year-old female who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

What women typically pay for car insurance each month

Women generally pay slightly lower premiums than men, but the exact amount depends on the type of coverage they choose. Here’s a quick look at average monthly costs across common policy types:

• Full coverage: $209 per month
• State minimum: $52 per month
• Liability-only: $68 per month
• Non-owner policy: $35 per month
  

These averages can shift based on age, driving history, location, and the insurer, but the breakdown gives female drivers a sense of what to expect at different protection levels.

Car insurance rates for women by state

Understanding how auto insurance rates for women vary by state can help you set realistic expectations, compare options, and spot a good deal when you see one. Whether you’re relocating or just shopping for better coverage where you live, the state-by-state differences are large enough to influence what you’ll pay.

Women face the highest average annual premiums in Louisiana ($4,190), Florida ($3,896), and Washington, D.C. ($3,393). At the opposite end of the spectrum, the most affordable states include Vermont ($1,464), New Hampshire ($1,637), and Maine ($1,667).

Below is a full breakdown of the average annual car insurance cost for women in every state and Washington, D.C.

States with the most expensive car insurance for women

Some states simply cost more for women to insure a car, and the reasons usually come down to local risk and state rules. In places like Louisiana, Florida, and California, premiums can reach $4,190 per year because insurers face more frequent claims, denser traffic, and regulations that drive up the price of coverage. For women in these higher-cost states, finding a reasonably priced policy may require more comparison shopping than it would in areas with lighter traffic, fewer claims, and lower overall risk.

Below is a look at the most expensive states for full-coverage premiums for women.

States with the cheapest car insurance for women

Some states consistently offer lower full-coverage car insurance rates for women, with Vermont leading the way at about $1,464 per year, followed by New Hampshire ($1,637) and Maine ($1,667). These states tend to have fewer accidents, lighter traffic, and smaller populations, which helps keep premiums down compared to more urban, high-risk areas.

In the chart below, you’ll also see the states with the lowest full-coverage costs for women, giving you a clear picture of where premiums are most affordable across the country.

How gender affects what you pay for car insurance

Gender plays a subtle but meaningful role in how insurers calculate car insurance rates. On average, women tend to pay a little less than men because historical claims data shows they’re generally involved in fewer severe crashes and engage in fewer high-risk driving behaviors. Insurers use these long-term patterns to help estimate risk and set monthly premiums.

Here’s a quick comparison of average car insurance costs for men and women:

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Cheapest car insurance companies for women

Some insurers consistently provide more affordable premiums for women, while others land on the higher end of the spectrum. American National Finance offers the lowest average rate at $827 per year, with Oregon Mutual Insurance close behind at $1,158 annually. At the other extreme, Louisiana Farm Bureau averages about $5,172 per year, making it one of the priciest options for female drivers.

These differences highlight how much pricing can shift from one company to the next. Your actual rate will still depend on personal factors like your state, driving record, age, and the type of coverage you choose.

Here’s a look at how average premiums for full coverage car insurance for women compare across major insurance carriers:

How car insurance costs change for women by age

Car insurance rates for women shift significantly across age groups, and the pattern is fairly predictable. Teen drivers and women in their early twenties typically face the highest premiums because insurers view new drivers as higher risk. As women build more experience behind the wheel, rates generally drop and continue to level out through adulthood.

Below is a breakdown showing how age can influence what women pay for car insurance.

Top car insurance companies for women at each age group

Some insurers consistently price better for women at certain stages of life. For teen female drivers, Erie Insurance offers the lowest average premium at about $4,174, while Farmers lands at the top of the price range at $11,257. Among young women in their twenties, USAA comes in with the most affordable rate at $2,415, while Allstate averages $4,565.

USAA also delivers the lowest premiums for both adult and senior women, at $1,573 and $1,556 respectively, though it’s limited to military members, veterans and their families.

Below is a full breakdown of average car insurance costs for women by age group and provider.

Factors that determine auto insurance rates for women

• Driving record. A clean driving history with no accidents or traffic violations typically results in lower premiums for women.
• Age. Younger drivers may face higher rates, but as women mature and gain more experience, insurance costs often decrease.
• Vehicle type. The make and model of the car can impact insurance rates. Safer and more affordable cars usually lead to lower premiums.
• Credit score. In some regions, credit scores play a role in determining insurance rates. A higher credit score may result in lower premiums.
• Location. The area where you live can affect rates due to factors like crime rates and the likelihood of accidents.
• Coverage options. The type and extent of coverage selected also influence costs. Comprehensive coverage generally leads to higher premiums.
• Annual mileage. The more you drive, the higher the risk. Women who drive less may be eligible for lower rates.
• Marital status. Married women may be considered lower risk and receive lower premiums compared to single counterparts.

Final thoughts: Getting the right coverage at the right price

Car insurance costs for women vary widely, but the patterns are clear. Where you live, how long you’ve been driving, your coverage choices, and even your insurer’s pricing model can create meaningful differences in what you pay each year. While some states and carriers consistently offer lower premiums, the most affordable option for you will always come down to your personal profile.

The good news is that women often have access to competitive rates, and the data in this guide gives you a solid starting point for comparison shopping. Reviewing multiple quotes, adjusting your coverage to match your needs, and checking for available discounts can help you avoid overpaying while still keeping the level of protection you want.

As premiums continue to shift from state to state and insurer to insurer, understanding how these factors work behind the scenes makes it easier to find a policy that fits your budget and driving habits. A little research goes a long way toward making sure you’re getting fair, reliable coverage at a price that feels reasonable.

Methodology

Insure.com commissioned Quadrant Information Services to report 2025 average auto insurance rates for a Honda Accord LX across nearly every U.S. ZIP code, based on data from up to six major carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm). Rates reflect a 40-year-old female driver with a good insurance score and no violations, commuting 12 miles to work daily (10,000 annual miles). The policy includes 100/300/100 liability limits and a $500 deductible on collision and comprehensive coverage.

The study analyzed 78,451,280 quotes across 51 states, 29,159 cities, and 34,588 ZIP codes, covering 170 companies and 73 company groups. The national average annual rate for 2025 is $2,511, though individual rates vary depending on personal factors and vehicle details.

Nupur Gambhir

Managing Editor

 

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Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant.