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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.

Woman smiling in car

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The cost of car insurance is based off multiple factors such as your age, what car you drive, and your gender. Luckily, women are statistically safer drivers in Australia, which means you might get a cheaper policy than men.

With the rise of female-only car insurers, we put them under the microscope. Are they really a better option for women, or just a marketing gimmick?

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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 2019 Finder Award for the Best Value Car Insurance, this policy offers solid coverage at a low cost plus you will get 15% discount on first year's premium when you take out a policy online. Budget Direct’s claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Bingle Comprehensive
Market
Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics, so you don't get to choose your own repairer, you're not covered for personal items in the car and unless you add it as an option, you won't get a hire car if your car is stolen. But this keeps its premiums low.

Who it might be good for: Someone who wants a low-cost option that covers them for the basics.
Coles Comprehensive
Optional
Agreed or Market
Finder's summary: Coles have two-tiers of comprehensive car insurance to choose from. You'll 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 you're over 30, you can get roadside assistance free for a year.

Who it might be good for: Coles customers and Flybuys collectors.
Poncho Comprehensive
Agreed
Finder's summary: Poncho works like a monthly subscription – you pay monthly and can cancel and leave at any time. You can also list multiple cars and drivers under one policy, making it ideal for families and groups living together under one household.

Who it might be good for: People who want their car insurance month to month.
Woolworths Comprehensive
Optional
Agreed or Market
Finder's summary: Woolworths catches our eye due to some unique perks like a price-beat guarantee, where it'll beat any current comparable comprehensive renewal notice if you're over 25. You'll also get 10% off your grocery shop once a month and can add roadside assistance onto your policy for just $7.35 per month.

Who it might be good for: Woolworths shoppers and those that want to take advantage of its price-beat guarantee.
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. Plus earn Qantas Points for joining and paying your premium. Sign up by 2 May 2021, you can earn up to 30,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.
ahm Comprehensive
Optional
Both
Finder's summary: ahm comprehensive car insurance lets you choose higher excess to reduce your premiums plus you can get up to 15% off when you purchase a new car insurance policy. T&Cs apply. Additionally, their Fixed Kilometre Plan can save you up to 30% compared to their standard comprehensive cover.

Who it might be good for: People who drive less than 15,000 km per year.
Virgin Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Finalists for the 2019 Finder Awards for Best Value Car Insurance, Virgin Comprehensive provides a good level of cover for a decent price. Get 15% off on your first year’s premium when you purchase a new eligible comprehensive car insurance online. T&Cs Apply.
QBE Comprehensive
Optional
Agreed or Market
Finder's summary: QBE is a sustainable insurance company and also Finder's Green Insurer of the Year 2020 Award winner. This policy offers the highest level of protection available from QBE including three-year new car replacement. You can also 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.
Stella Comprehensive
Optional
Agreed or Market
Finder's summary: Stella’s a female-focused insurer. It'll cover you if your car is damaged as a result of domestic violence. It offers higher cover for baby gear than most, with up to $2,000 cover for prams, strollers and child seats. Get $50 cash back when you purchase online between 1 April – 30 June 2021 using the code STELLA50. T&C apply.

Who it might be good for: Someone who wants a female-centred car insurance policy (it will cover men too).
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
Real Comprehensive
Optional
Agreed or Market
Finder's summary: Real Comprehensive Car Insurance provides similar coverage to other insurers for the important stuff like looking after your car if it's stolen or you crash. They're also one of the few insurers who offer a Pay As You Drive policy, so you might be able to save big if you don't drive much.

Who it might be good for: Those that don't drive much can take advantage of their Pay As You Drive policy.
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.

Who it might be good for: If multiple people use the one car and you don’t want to worry about listing all drivers.
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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

What's the cheapest car insurance for women?

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. 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 price are for a comprehensive car insurance policy.

Brands25 years old35 years old45 years oldGet quote
Stella car insurance logo$1,224.62$932.32$867.22Get quote
1st for women logo$1,113.02$930.38$829.95More info
Budget Direct Logo$971.46$815.77$727.72Get quote
Huddle Logo$1,038.00$897.00$760.00More info
Kogan insurance logo$1,503.60$1,243.94$939.00More info
Real insurance logo$1,503.60$1,243.94$939.00Get quote
Virginmoney logo$990.89$832.09$742.28Get quote
Ubicar logo$916.47$697.53$631.67More info
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.

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.

Picture: GettyImages

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