Home Car insurance Car insurance rates Car insurance for women: Average rates in 2024 Car insurance for women: Average rates in 2024 According to Insure.com analysis, the average cost of car insurance for a women is $1,894 per year or $158 per month. View Carriers Please enter valid zip Compare top carriers in your area By Insure.com's Editor | Updated on February 7, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Our take on car insurance for women Insure.com’s data team have analyzed data from our trusted data source (Quadrant Information Services) and found that the average car insurance rates for women is $1,894 per annum for full coverage car insurance policy. Delving into data analysis, we found that certain states, including California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania, North Carolina and Montana prohibit insurance companies from utilizing gender as a determining factor in setting auto insurance rates. In these states, the cost of car insurance for male vs female is almost same. In assisting individuals seeking affordable insurance options, we conducted an analysis of carrier rates and identified that the American National Finance company provides cheap female car insurance at a rate of $827 per year. Let’s learn more about car insurance costs for women and how it varies depending on various factors. Average car insurance cost for 40-year-old female As per Insure.com’s analysis we found that the average car insurance rates for women is $1,894 a year or $158 per month for full coverage car insurance policy. The state minimum insurance rate for female drivers averages at $508. The cost increases to $657 for liability only coverage and further escalates to. Below is the average annual car insurance premium estimate for female drivers by different coverage levels Driver GenderState minimum premiumLiability only premiumFull coverage premiumNon-owners premiumFemale$508$657$1,894$328 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. Average monthly car insurance cost for Women As per Insure.com’s analysis we found that the average monthly car insurance cost for women is $158 per month for full coverage car insurance policy. Below is the average monthly car insurance cost estimate female drivers by different coverage levels: Full coverage premium: $158 per month State minimum premium: $42 per month Liability only premium: $55 per month Non-owners premium: $27 per month Car Insurance rates for Women by State Understanding the auto insurance rates for women across different states in the US can help you make an informed decision about your car coverage. Whether you’re moving to a new state or shopping around for a better insurance deal about your car insurance coverage. The below table will give you an idea of how much you should pay for car insurance in each state.The three states with the expensive female car insurance rates are Louisiana ($,2895), Florida ($2,720), and California ($2,416). On the other hand, if you’re looking for the most affordable options, you might want to consider states like Maine ($1,154), New Hampshire ($1,256), and Vermont ($1,293) which boast the lowest average rates. The average car insurance cost for women in all states and Washington, D.C., is as follows: StateFull coverage car insurance premiumAK$1,661AL$1,877AR$1,982AZ$1,817CA$2,416CO$2,325CT$1,717DC$2,146DE$2,065FL$2,720GA$1,974HI$1,517IA$1,635ID$1,412IL$1,530IN$1,519KS$1,897KY$2,210LA$2,895MA$1,726MD$1,736ME$1,154MI$2,263MN$1,886MO$1,964MS$1,996MT$2,204NC$1,741ND$1,648NE$1,888NH$1,256NJ$1,892NM$2,069NV$2,095NY$1,878OH$1,421OK$2,152OR$1,715PA$1,872RI$2,050SC$1,991SD$2,255TN$1,679TX$2,024UT$1,868VA$1,481VT$1,293WA$1,637WI$1,675WV$2,000WY$1,709 QuickTake How to buy cheap car insurance for a new car The most expensive and cheapest cars to insure in 2024 How does mileage affect car insurance rates in 2024? 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Cheap car insurance for Women When it comes to finding affordable car insurance for women, several companies stand out for offering competitive rates and favorable coverage options. The cheapest option is American National Finance at $827, followed by Grange Mutual at $976, while the most expensive is Plymouth Rock Assurance at $1,553. Remember that factors like driving history, location, and the type of coverage required can impact the final premium. The average cheap car insurance rates for women by carriers is as follows: Company GroupFull coverage car insuranceAmerican National Finance$827Grange Mutual$976Virginia Farm Bureau$1,122Oregon Mutual$1,133Texas Farm Bureau$1,211North Carolina Farm Bureau$1,217MMG Insurance$1,261NYCM Insurance$1,298New Jersey Manufacturers$1,313Tennessee Farmers$1,318PEMCO$1,323West Bend Mutual$1,357USAA$1,369Vermont Mutual$1,413Erie Insurance$1,502Safety Insurance$1,517Nationwide$1,546Auto-Owners$1,551Plymouth Rock Assurance$1,553 Pro Tip: Safe Driving Discounts: Women who have a good driving record may qualify for discounts. Safe driving habits often lead to lower premiums, so make sure your driving history is accurately reflected in your insurance profile. Average car insurance costs for women across ages Analyzing average car insurance costs for women across various age groups provides valuable insights into pricing trends. Generally, younger women, particularly those in their teens and early twenties, may experience higher insurance rates due to perceived higher risk. As they gain more driving experience, insurance premiums tend to decrease. Below is the detailed information on how your age can impact car insurance premiums: Driver AgeState minimum premiumLiability only premiumFull coverage premiumNon-owners premium16$2,006$2,407$6,742$80317$1,633$1,985$5,615$72018$1,406$1,720$4,943$64719$1,078$1,324$3,871$53420$962$1,186$3,527$49121$791$982$2,953$42722$732$915$2,745$40723$680$853$2,578$38824$644$809$2,448$37925$583$741$2,219$35830$528$676$2,003$33535$516$664$1,941$33240$508$657$1,894$32845$502$652$1,868$32550$482$628$1,783$31655$470$613$1,725$31060$469$611$1,704$31065$486$632$1,728$31970$521$672$1,819$33775$578$736$1,969$359 Top 10 car insurance providers for women by age group The cheapest car insurance for young female drivers is from Auto-Owners at $3,385, while the most expensive is from Farmers with $8,024. For young adults, USAA offers the lowest rate of $2,115, while Farmers has the highest at $3,481. USAA also offers the best rates for adults and seniors at $1,392 and $1,383 respectively. Note that USAA only offers car insurance for military and veterans. The below table shows the average cost of car insurance for women of different age groups provided by the top 10 companies. CompanyRates for teen female drivers (16-19)Rates for young adult female drivers (20-24)Rates for adult female drivers (25-60)Rates for senior female drivers (65+)Geico$4,783$2,595$1,778$1,778State Farm$4,842$2,938$1,958$1,853Allstate$7,105$3,601$2,504$2,462USAA$4,296$2,115$1,392$1,383Progressive$6,866$3,114$2,019$1,951Farmers$8,024$3,481$2,320$2,228Nationwide$4,885$2,438$1,520$1,419Travelers$4,405$2,329$1,574$1,523Auto-Owners$3,385$2,350$1,557$1,536Erie Insurance$3,427$2,281$1,503$1,506 How gender influences the calculation of car insurance Car insurance rates are influenced by gender, and it’s mainly because of differences in driving behavior. On average, women often get lower premiums than men because they’re less likely to have accidents or drive recklessly. Insurance companies use this information to figure out risk and set prices. Here is the quick estimate of car insurance rates for men vs women: CompanyAverage rates for female driverAverage rates for male driverAllstate$2,515$2,504Auto-Owners$1,551$1,556Erie Insurance$1,502$1,457Farmers$2,404$2,369Geico$1,753$1,773Nationwide$1,546$1,550Progressive$2,020$1,976State Farm$1,974$1,975Travelers$1,567$1,607USAA$1,369$1,393 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. Women auto insurance data methodology Insure.com commissioned Quadrant Information Services to report average auto insurance rates for a 2023 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm). Averages are based on insurance for a married 40-year-old male 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. Your rate depends on personal factors and your vehicle. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost for 40-year-old femaleAverage monthly car insurance cost for WomenCar Insurance rates for Women by StateMost expensive car insurance states for womenLow cost car insurance states for womenCheap car insurance for WomenAverage car insurance costs for women across agesTop 10 car insurance providers for women by age groupHow gender influences the calculation of car insuranceFactors that determine auto insurance rates for womenWomen auto insurance data methodology Get instant quotes now ! Please enter valid zip Get Quotes