Despite all the jokes that people (usually men) love to tell about women drivers, in the car insurance industry the fact remains that car insurance is cheaper for women.
Why is Car Insurance Cheaper for Women?
The reason why ladies get better rates on car insurance is that they are seen as less of a risk by car insurance companies. Women tend to be safer drivers and have fewer accidents. If a woman does have an accident, it is usually a bump or scrape and not a complete write-off. Also, statistically women drivers have lower mileage on their cars than their male counterparts.
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This document was prepared by the Reinsurance Transparency Subgroup (RTG) with support by the Reinsurance Subcommittee (RSC). © International Association of Insurance ...