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Cheap Car Insurance for Girls

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Cheap Car Insurance for Girls – Compare Quotes Now

There’s a wide range of data that confirms that girls in the UK are better drivers, on average, than boys. There’s the stereotype of a ‘boy racer’, of course, but it’s not just speeding – insurance claims data confirms that girls are less likely to be involved in an at-fault accident, girls are less likely to have their licences endorsed with penalty points, and they’re less likely to receive drink-driving convictions as well as a wide range of other motoring convictions.

In the past those facts usually translated into cheaper car insurance for female drivers, but that all changed with the introduction of the EU Gender Directive in December 2012, which made it illegal for car insurance providers to use gender as one of the variables in their insurance premium calculations.

So does that mean car insurance for girls is no longer cheaper than car insurance for boys? Not exactly.

While insurance companies can’t use gender in their premium calculations anymore, they use a wide range of other factors and some of those are still differentiated along gender lines even though gender itself doesn’t factor in.

For instance, car insurance for nurses and car insurance for teachers is usually cheaper than an equivalent policy might cost someone in a different profession, and since approximately 90% of nurses in the UK are female and 70% of teachers are female that does often translate into cheaper car insurance for girls.

That doesn’t mean that all girls are treated the same, of course, because insurance companies take into account each individual driver’s age, location, vehicle type and driving record, each of which usually isn’t delineated along gender lines.

So whether you’re male or female, a young driver or an older driver, the best way to increase your odds of finding cheap car insurance is to compare quotes from a wide range of different providers – and that’s where we come in.

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Why is car insurance for girls still cheaper?

Each of the variables insurance providers use in their insurance premium calculations are intended to help them assess the risk profile of the policyholder, and some of those variables seem to be closely correlated to the driver’s gender even though gender isn’t used directly.

The driver’s occupation is the most obvious one, because some professions like nursing and teaching are still favoured much more by girls than by boys, and those professions also happen to benefit from cheaper car insurance because they make fewer at-fault insurance claims.

Data from Road Safety GB, a national road safety organisation, has also found that there is a clear correlation between gender and motoring violations, with 72% of all penalty points in the UK given to male drivers, with girls receiving just 28% of those points.

Similarly, men receive 69% of all drink-driving convictions, with women accounting for less than a third.

In fact, insurance premium data indicates that the difference between the cost of car insurance for girls and equivalent policies for boys may have actually widened since the EU Gender Directive was introduced, even though the European Union’s goal was to even things out.

Why are there still girl only car insurance providers?

Many of the car insurance brands that target girl drivers (Sheila’s Wheels, Diamond Car Insurance) were launched before the EU Gender Directive was introduced, and have continued to trade under those brand names but now serve male drivers as well as females.

A few other brands, such as Drive Like a Girl and Go Girl, were launched shortly after the Gender Directive came into force, and are intended to appeal to female drivers even though they don’t use gender in their premium calculations.

Some of them offer specific policy features that are intended to appeal to girls, such as handbag cover as standard, but the truth is these providers are actually a suitable option for male drivers too.

What steps can I take to find cheap car insurance for girls?

First and foremost, when you’re taking out a new girl’s car insurance policy (or renewing your existing policy) you should compare quotes from a wide range of providers. That way you’ll be more likely to find the right policy at the right price.

There are also a number of other things you can do to increase your odds of finding cheap car insurance for girls, such as:

  • Parking your car in a garage or on a driveway, because cars that are parked on the side of the road have a higher risk of being stolen, vandalised or hit by a passing car
  • Taking an advanced driving test (such as the ‘Pass Plus’ or ‘RoSPA Advanced Drivers and Riders’ test), which can help to prove that you’re a safety-conscious driver
  • Paying for the full year upfront, which is usually cheaper than paying the policy off on a monthly basis.

*51% of consumers could save £290.68 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next three cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from November 2021 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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