Car insurance for women

The data is in your favour - women are statistically safer drivers, which means you might be able to get cheaper insurance than men.

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Car insurance premiums differ from person to person, and they're not just based on your gender, but also where you live, how old you are and your driving history and experience. Statistically, women are safer drivers in Australia, which means you could potentially get a cheaper policy than men!

However, to give you an idea of how much you generally might have to pay per year, we've put together the following table based on your age and your car insurance brand.

All prices are for a comprehensive car insurance policy.

Brands25 years old35 years old45 years oldGet quote
Stella car insurance logo$1,224.62$932.32$867.22More info
1st for women logo$1,113.02$930.38$829.95More info
Budget Direct Logo$971.46$815.77$727.72Get quote
Huddle car insurance$1,038.00$897.00$760.00Get quote
Kogan insurance logo$1,503.60$1,243.94$939.00More info
Real insurance logo$1,503.60$1,243.94$939.00More info
Virginmoney logo$990.89$832.09$742.28Get quote
Picture not described$1,096.89$921.10$821.69Get quote

*These quotes are based on a woman living in Sydney, driving a Silver 2016 Ford Falcon 2.0L Auto Ecoboost 4dr, with an $850 excess. Quotes gathered in May 2020.

What makes female-only car insurers unique?

In our analysis, there were a few features that stood out as unique compared to a general car insurance policy.

For instance, Stella offers 'Domestic cover' in their car insurance policy, which would cover you for "any damage to your car that arises from a deliberate act by a current or former spouse or partner." At the time of writing, we couldn't find any other insurer that offers this type of benefit.

They also cover you more for baby gear in your car than a standard comprehensive car insurance policy. So whilst Budget Direct will pay you up to $500 if your child seats are damaged in a collision or stolen from your car, Stella will pay up to a whopping $2,000 for baby gear like prams, strollers, and child seats, that are damaged in a collision or stolen from your car.

They also offer a higher personal effects cover with up to $1,000 of your personal belongings covered if your car gets stolen or is in an accident. This can cover your everyday items like your handbag, jewellery, phone, and other items you keep in your car. Many other insurers will only cover you for $500.

Is car insurance really cheaper for women?

Yes, and there's a reason why. According to Transport for NSW, men made up two thirds (65.7%)* of serious road injuries in 2019. Of the 10,447 serious injuries, only 3,581 involved women.

Men are also considerably more likely to be involved in a fatal road accident. Over a three-year period to December 2019, 275 road deaths in NSW were men, compared to just 77 women, which means nearly 4 out of 5 deaths were men.

Because men are far more likely to be involved in a serious accident, insurers see women as less of a risk, which means they tend to pay less for their car insurance. They're less likely to claim, and when they do, it's generally not as costly, which means that insurers charge them less.

*Information from Transport for NSW

Should I go with a speciality women's insurer?

Speciality car insurance is usually tailored to specific vehicles and drivers. For instance, you can get speciality insurance for classic cars. Another type of speciality insurance is women's car insurance.

Because women are less likely to be involved in an accident – and therefore less likely to make a claim – providers like Stella Car Insurance tailor their cover to women. This means that they can often provide women with cheaper premiums because their overall customer-base is female, and therefore isn't costing them as much to cover.

But in our research we couldn't really see a huge cost saving by opting for a specialty women's insurer. There were a few positive differences in cover offered by Stella compared to a standard comprehensive car insurance policy, but fundamentally they offer quite a similar product.

Do your research before choosing any one policy and get quotes from both a speciality insurer and a normal insurer to compare. It may be the case that a normal insurer can offer you the exact same coverage for the same price.

What specialty women's insurers are there?

At the time of writing, there are two insurers that provide cover specifically for female drivers. These are:

  • 1st for Women Insurance
  • Stella Car Insurance

Their policies covered some of the basics that other car insurers do, including:

  • Theft and accidental damage
  • New car replacement
  • No claim reward
  • Baby gear
  • Personal items
  • Damage to other people's property.
  • A hire car after a not-at-fault accident
  • Child safety seats
  • Emergency accommodation
  • Transport costs
  • Towing
  • Windscreen repairs
  • Stolen keys

What's the best type of car insurance for women?

The best type of car insurance for women will differ for each individual. This is because it really depends on your own personal needs. Of course, you want good value for money, and comparing policies based on your own circumstances is probably the best way to do that.

There are many factors that go into deciding what kind of policy you should purchase. For instance, what type of car do you own? Generally speaking, if you have an expensive car – or one that you rely on for work – then comprehensive cover is a good option because you have a lot more to lose. If your car is written off, you could be seriously out of pocket if you don't have comprehensive car insurance.

Alternatively, if you're driving a cheap car, third party property damage or third party fire and theft cover could be enough. This is good if you're not concerned about replacing your car if it is written off, as you could probably afford to replace it.

Compare comprehensive car insurance for women

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Awarded the 2021 Finder Award for Car Insurance - Value in QLD, SA, TAS, VIC, WA and Car Insurance - Features in NSW, VIC, WA, this policy offers solid coverage at a low cost. Budget Direct's claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

⭐ Current offer: Get 15% discount on first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Australia Post Comprehensive
Optional
Agreed or Market
Finder's summary: Australia Post car insurance offers comprehensive cover for things like theft, fire, new for old replacement and emergency accommodation and transport. Cover also extends to anyone who uses your car, not just you.

⭐ Current offer: Get $75 off your first year’s premium when you buy online. T&Cs apply.

Who it might be good for: If multiple people use the one car and you don’t want to worry about listing all drivers.
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2021 Finder Awards for Best Car Insurance - Value in VIC, QLD, SA, WA and TAS, Virgin Comprehensive provides a good level of cover for a decent price.

⭐ Current offer: Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs apply.

Who it might be good for: People who'd like to manage their policy online 24/7.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You'll be able to choose how comprehensive you want your cover to be with optional extras like choice of repairer and the option of agreed or market value.

⭐ Current offer: Earn Qantas Points for joining and paying your premium. Sign up today and earn up to 20,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.

Who it might be good for: People who'd like to earn Qantas Points.
Coles Comprehensive
Optional
Agreed or Market
Finder's summary: With Coles comprehensive car insurance, you could earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If your car is damaged, you could benefit from a one-week turnaround on repairs.

⭐ Current offer: Get 10% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Coles customers and Flybuys collectors.
QBE Comprehensive
Green Company
QBE Comprehensive
Optional
Agreed or Market
Finder's summary: QBE is a sustainable insurance company and also Finder's Green Insurer of the Year 2021 award winner. This policy offers the highest level of protection available from QBE including three-year new car replacement.

⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those that are looking for a more environmentally friendly insurance choice.
Huddle Black Comprehensive
Agreed or Market
Finder's summary: Huddle's black comprehensive is its cover with highest limits and exclusive benefits. It includes roadside assistance. You can also get up to $2,000 for emergency travel and accommodation and up to $30 million legal liability cover.

Who it might be good for: Someone who wants a 24/7 claims processing.
Youi Comprehensive
Optional
Agreed or Market
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in its policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also has a live chat feature on its site to talk through any questions.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service.
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Picture: GettyImages

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