Why you can trust Insure.com
![quality icon](https://cdn.statically.io/img/www.insure.com/images/quality_check.png)
Quality Verified
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, 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 Gender | State minimum premium | Liability only premium | Full coverage premium | Non-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.
Insure.com’s analysis reveals significant state-by-state variations in car insurance costs for women, with Louisiana being the most expensive at $2,895 per year and Maine the cheapest at $1,154 annually. These differences highlight the impact of local regulations and market conditions on insurance premiums.
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:
State | Full 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 |
QuickTake
Most expensive car insurance states for women
Three most expensive states for women car insurance:
- Louisiana: $2,895 per year
- Florida: $2,720 per year
- California: $2,416 per year
State | Full 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
State | Full 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 |
![](https://www.insure.com/uploadedfiles/insight.png)
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 Group | Full 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 |
![](https://www.insure.com/uploadedfiles/insight.png)
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 Age | State minimum premium | Liability only premium | Full coverage premium | Non-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.
Company | Rates 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:
Company | Average rates for female driver | Average 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.
- Average car insurance cost for 40-year-old female
- Average monthly car insurance cost for Women
- Car Insurance rates for Women by State
- Most expensive car insurance states for women
- Low cost car insurance states for women
- Cheap car insurance for Women
- Average car insurance costs for women across ages
- Top 10 car insurance providers for women by age group
- How gender influences the calculation of car insurance
- Factors that determine auto insurance rates for women
- Women auto insurance data methodology