Why is there cheap car insurance for women? There are 3 major reasons discounts are available on cheap car insurance for women. One reason is that statistically women drivers are safer. Women do indeed have just as many accidents as men, but for women it is the small fender benders and men statistically drive at higher speeds and have higher impact crashes that drive up their car insurance costs. The next reason for cheap car insurance for women is that a large portion, almost all road offenses are by men. More tickets equal high car insurance premiums. Lastly women drive a lot less than men therefore their chance of getting into an accident are dramatically lower.
So it is actual true that women get cheaper car insurance than men. The entire discount is based on statistics that encourage the insurance providers to offer lower rates to women due to less risk associated with women drivers. Women are not being offered low car insurance rates just because they are women, there is proven data that insurance companies use to measure the risk. This does not mean women are better drivers than men. The data is just showing in general that women as a whole are safer drivers than men, so this is why cheaper car insurance for women is available.