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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 car insurance for women 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 rates for Women

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 premium
Female$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 for 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 premium
AK$1,661
AL$1,877
AR$1,982
AZ$1,817
CA$2,416
CO$2,325
CT$1,717
DC$2,146
DE$2,065
FL$2,720
GA$1,974
HI$1,517
IA$1,635
ID$1,412
IL$1,530
IN$1,519
KS$1,897
KY$2,210
LA$2,895
MA$1,726
MD$1,736
ME$1,154
MI$2,263
MN$1,886
MO$1,964
MS$1,996
MT$2,204
NC$1,741
ND$1,648
NE$1,888
NH$1,256
NJ$1,892
NM$2,069
NV$2,095
NY$1,878
OH$1,421
OK$2,152
OR$1,715
PA$1,872
RI$2,050
SC$1,991
SD$2,255
TN$1,679
TX$2,024
UT$1,868
VA$1,481
VT$1,293
WA$1,637
WI$1,675
WV$2,000
WY$1,709

Most expensive car insurance states for women

Three most expensive states for women’s car insurance:

  • Louisiana: $2,895 per year
  • Florida: $2,720 per year
  • California: $2,416 per year
StateFull coverage car insurance premium
LA$2,895
FL$2,720
CA$2,416
CO$2,325
MI$2,263
SD$2,255
KY$2,210
MT$2,204
OK$2,152
DC$2,146

Low cost car insurance states for women

Three cheapest states for women’s car insurance:

  • Maine: $1,154 per year
  • New Hampshire: $1,256 per year
  • Vermont: $1,293 per year
StateFull coverage car insurance premium
ME$1,154
NH$1,256
VT$1,293
ID$1,412
OH$1,421
VA$1,481
HI$1,517
IN$1,519
IL$1,530
IA$1,635

Pro Tip:In states like California, Hawaii, Massachusetts, Michigan, Pennsylvania, North Carolina, and Montana insurance companies have to charge men and women the same car insurance premium.

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 insurance
American National Finance$827
Grange Mutual$976
Virginia Farm Bureau$1,122
Oregon Mutual$1,133
Texas Farm Bureau$1,211
North Carolina Farm Bureau$1,217
MMG Insurance$1,261
NYCM Insurance$1,298
New Jersey Manufacturers$1,313
Tennessee Farmers$1,318
PEMCO$1,323
West Bend Mutual$1,357
USAA$1,369
Vermont Mutual$1,413
Erie Insurance$1,502
Safety Insurance$1,517
Nationwide$1,546
Auto-Owners$1,551
Plymouth 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 premium
16$2,006$2,407$6,742$803
17$1,633$1,985$5,615$720
18$1,406$1,720$4,943$647
19$1,078$1,324$3,871$534
20$962$1,186$3,527$491
21$791$982$2,953$427
22$732$915$2,745$407
23$680$853$2,578$388
24$644$809$2,448$379
25$583$741$2,219$358
30$528$676$2,003$335
35$516$664$1,941$332
40$508$657$1,894$328
45$502$652$1,868$325
50$482$628$1,783$316
55$470$613$1,725$310
60$469$611$1,704$310
65$486$632$1,728$319
70$521$672$1,819$337
75$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$1,778
State Farm$4,842$2,938$1,958$1,853
Allstate$7,105$3,601$2,504$2,462
USAA$4,296$2,115$1,392$1,383
Progressive$6,866$3,114$2,019$1,951
Farmers$8,024$3,481$2,320$2,228
Nationwide$4,885$2,438$1,520$1,419
Travelers$4,405$2,329$1,574$1,523
Auto-Owners$3,385$2,350$1,557$1,536
Erie 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 driver
Allstate$2,515$2,504
Auto-Owners$1,551$1,556
Erie Insurance$1,502$1,457
Farmers$2,404$2,369
Geico$1,753$1,773
Nationwide$1,546$1,550
Progressive$2,020$1,976
State Farm$1,974$1,975
Travelers$1,567$1,607
USAA$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.