Best Car Insurance for Single Females might seem like a good deal. Studies show that male drivers are more likely to take risks while driving and get into more accidents. But in many cases, women still have to pay more for car insurance than men.

New drivers who leave their teens and early 20s with a clean driving record and a good credit history can expect their car insurance rates to go down a lot. They might not be as low as your parents’, but they will be lower than those of teen drivers. If, on the other hand, you have a lot of speeding tickets or a DUI on your record, you can expect your rates to stay sky-high. If your credit score is bad, it’s the same. In most states, car insurance companies can charge drivers with bad credit higher rates. In short, if you are responsible behind the wheel and with your credit, your car insurance will be cheaper.

Even though paying for car insurance isn’t the most fun part of driving, it’s something you have to do if you want to get behind the wheel. It’s also required by law in almost every state and by most car loan companies. Also, most lease contracts require the renter to have a certain type and amount of car insurance. Insurance rates are based on a lot of different things, so it’s important to share your unique information with insurers so you can find car insurance rates that fit your needs and circumstances.

In this article, we will talk about the best car insurance for single females. Let’s get into it.

Best Car Insurance for Single Females

We looked at quotes from the top auto insurers and found that, on average, car insurance for women costs 5% less than for men. State Farm had the best rates for women drivers, with premiums that were about 30% less than those of Allstate, Nationwide, and Progressive, three other large national insurers.

Insurance companies have found that women are less likely to get into accidents than men. This is why the rates for men and women are different. This difference is most noticeable in the rates for car insurance for young girls.

Even though women usually pay less for car insurance, it is still possible for them to pay too much, so make sure to take advantage of all discounts and shop around to find the best car insurance for single females.

Where to Find Cheap Car Insurance for Single Females?

State Farm always had the best car insurance for single females, with quotes that were about 30% less than average for all age groups we looked at. We got quotes for car insurance from four of the biggest companies and found that this is the one where women are most likely to get the best rates.

We found it interesting that each insurance company gives different quotes based on gender. Overall, Progressive and State Farm have better rates for women than Geico does, while Allstate has the same rates for both men and women.

What Is Cheap Car Insurance for Under 25 Females?

Cheap car insurance for women under 25 is insurance that meets your needs and has a monthly premium that you can afford. Most of the time, drivers under the age of 25 pay the most for insurance. Rates are based on age because younger drivers have less experience on the road. This makes it more likely that they will have an accident.

When you turn 25, your insurance rates will usually go down by a lot. Some drivers will see as much as a 10% drop in their insurance rates after they turn 25.

Age is a big part of how much insurance costs, but it’s not the only thing that matters. The insurance company may also take into account the following:

  • Gender
  • Driving record
  • Credit history
  • Zipcode

Your insurance rates can also change based on your gender. The premiums for women tend to be a little bit lower than those for men. This is because more men make claims than women. As people get older, there are fewer differences between men and women. ValuePenguin says that male drivers under 25 pay about $386 more for a six-month policy than the average driver.

Some states do make it illegal for insurance companies to have different rates for men and women. This includes parts of California, Hawaii, Montana, North Carolina, Massachusetts, Pennsylvania, and some parts of Michigan.

How Can I Find the Best Car Insurance for Single Females?

Once you know how much car insurance you need, you can start looking around for a policy. Rates for the same coverage can vary a lot between companies, so it’s smart to get car insurance quotes from more than one company. In California, for example, the rates for a good driver can range from $1,668 (Wawanesa) to $3,940 (The Hartford), which is a difference of about $2,270 for the same driver.

Here’s what you should do to get the best car insurance for single females.

1. Shop around

If you don’t compare prices, you won’t know if yours are the most expensive or the least expensive. You can find the cheapest car insurance company by getting quotes from more than one company. You can go online or talk to an auto insurance agent to get free quotes. Independent insurance agents can provide quotes from multiple companies. Quotes for insurance are always free.

2. Ask about discounts

When you get quotes for car insurance, be sure to ask about discounts. Most of the time, discounts can bring down your car insurance costs:

  • By “bundling” multiple insurance policies, like auto and home insurance, from the same company.
  • Getting insurance for more than one car from the same company.
  • Getting a discount for being a good driver.
  • If you have a good student on your policy, you can get a discount.
  • If you have a college student on your policy, they can get a discount if they don’t have a car while they’re away at school (usually must be at least 100 miles away).
  • If you are at least 55 years old, you should take a defensive driving class. Instead of paying your car insurance bill each month, you pay it all at once for the whole term.

3. Choose a higher deductible

There is a deductible for both collision and comprehensive coverage. The deductible is the amount of money taken out of a claim check by an auto insurance company.

If you raise your deductible, you’ll pay less for insurance.

Here’s what I mean. Let’s say you get into an accident and $2,000 worth of damage is done to your car. If your collision deductible is $500, the insurance company will take that amount out of the settlement, giving you a check for $1,500 to pay for the repairs.

If you choose a high deductible, try to save money for it so you have it if you need to make a claim in the future.

4. Ask about a pay-per-mile policy if you don’t drive much

If you own a car but take the bus to work and don’t drive it much, you might want to look into pay-per-mile auto insurance.

These policies charge a base rate every month and a rate per mile. They can be a cheaper option if you don’t spend a lot of time driving.

Let’s say your pay-per-mile insurance has a base rate of $40 a month and a rate of 5 cents per mile. If you drive 500 miles in a month, your bill will be $65 ($40 plus $.05 per mile for 500 miles).

5. Ask about usage-based car insurance

Usage-based insurance (UBI), also known as telematics, sounds a lot like pay-per-mile insurance, but it’s not. With a usage-based policy, your car insurance company keeps a close eye on how you drive and gives you a driving score.

For example, a usage-based insurance plan might keep track of your speed, how hard you brake, how fast you speed up, how many miles you drive, and what time of day it is. The program will keep track of how you drive by using an app on your phone or a device that is attached to your car.

Most of the time, these programs come with a discount at first, and depending on how much you drive, you may save even more. But not all drivers can save money with UBI. The best drivers are the ones who should use these programs.

Factors That Impact the Cost of Car Insurance

The best car insurance for single females will depend on a number of things, which usually include:

  • Your record as a driver
  • Your age and how long you’ve been driving
  • Who do you live with
  • Options for car insurance coverage
  • the amount that can be deducted (if you buy collision and comprehensive coverage)
  • Vehicle model
  • Your car insurance history, such as how long you’ve been covered and if there have been any breaks.
  • Your insurance score is based on your credit (use of credit in calculating car insurance costs is banned in California, Hawaii, Massachusetts, and Michigan)

Who Has the Best Car Insurance for Single Females?

Based on our research into auto insurance rates, we found that USAA has the best prices for single females. Our study shows that a young adult who gets their car insurance through USAA pays an average of $1,060 per year to cover their car. Even though rates are different for each person, USAA’s average premium for our customer profile of a young adult is about $146 less per year than that of the next least expensive insurer on our list. USAA’s study rates for young men and women are, on average, about $460 less than the average representative rate for our young adult driver profiles offered by the nine insurance companies in our study.

USAA, which stands for United Services Automobile Association, is only for military members, veterans, and their eligible family members. Our survey of insurance company rates shows that Geico is the least expensive option for people who are not in one of these groups. The average study rate for a young adult with this insurer is $1,206 per year.

Most affordable car insurance for young adults:

  • USAA: $1,060
  • Geico: $1,207
  • $1,329 for State Farm.
  • Travelers: $1,373
  • Nationwide: $1,552
  • Progressive: $1,620
  • $1,709 for an American family
  • Farmers: $1,881
  • Allstate: $1,957

Cost of car insurance for Females

The average annual rate for a 40-year-old woman The cost above a 40-year-old man’s policy
Full coverage
A good driver with good credit $1,702 $47
Driver with a recent at-fault accident $2,613 $51
A good driver with poor credit $3,081 $81
Low-mileage driver $1,594 $43
Minimum required coverage
A good driver with good credit $728 $31

A separate NerdWallet analysis of rates in 10 states found that a 40-year-old woman with a recent DUI would pay $35 a year more than a male driver in the same situation, on average, for the minimum required coverage.

Car insurance rates for women by age

Younger drivers, in general, tend to pay more for insurance. The more experience you have on the road, the more likely an insurance company is to view you as a low-risk driver.

The average annual cost of full coverage car insurance

Age The average cost for women Full average cost(men and women) Cost difference
25-year-old $2,036 $2,108 -$72
40-year-old $1,532 $1,674 -$14
60-year-old $1,537 $1,544 -$7

Do women pay more for car insurance than men?

In most states, it depends on how old you are, where you live, and sometimes even if you are married. Some data show that women pay more than men for car insurance, which is sometimes true. Women pay more than men at some ages and in some states, but the opposite is also true. On average, women make less than men in some states, like Connecticut, Maryland, and Washington. Most people think that men are riskier drivers than women. Statistics show that men are more likely than women to be in serious accidents.

But, depending on where you live, other rating factors will probably have a much bigger impact on your premium than your gender. For example, a woman with a clean driving record is likely to pay less than a man with a long list of accidents, tickets, or DUI convictions. In the same way, a woman who insures a high-end luxury car with full coverage will likely pay more than a man who ensures a less expensive car.

Car Insurance Discounts for Single Females Drivers

Car insurance companies don’t offer discounts just for women, but women can save money on their insurance bills in the same ways as men. Here are some of the best ways for women to save money on car insurance:

Shop Around

The best way for women to find the cheapest car insurance rates is to get quotes from several different companies and compare them. For example, we found that a 32-year-old woman in Indiana who drives will save $67 a month if she switches from Progressive to State Farm. If she didn’t shop around, she might spend an extra $803 a year.

It’s also a good idea to check back every so often to make sure you’re getting the best rate, especially if you do something big like get married, move, or buy a car.

Drive safely

When setting rates, one of the most important things insurers look at is how you’ve driven in the past. If you don’t get into any accidents, your insurance company won’t have to raise your rates. If you drive safely, you may also be eligible for big discounts through telematics programs. For instance, women drivers who use the Drive Safe and Save app from State Farm can save up to 50% off their old rates.

Bundle policies

Most insurance companies offer discounts to customers who buy in bulk, like when they insure more than one car under the same policy or buy more than one type of insurance from the same company, like life and car insurance.

Group affiliation discounts

Customers can also save money with some insurance companies if they belong to certain groups or organizations. Sometimes it has to do with a benefit that a group, like an employer or union, has negotiated with the company. Sometimes it’s needed to work in a certain job. Geico gives discounts to people who belong to the Society of Women Engineers, for example. Ask your insurance company if you could get a discount because you belong to a group or work in a certain field.

Frequently Asked Questions(FAQs) about Best Car Insurance for Single Females

Which car insurance company is best for women?

Every woman’s situation is different when it comes to car insurance, and every woman will want and need something different from her policy and company. There is no one company that is the best for all women. Getting quotes from a few different companies can help you find the right one for you.

At what age does the cost of car insurance for women go down?

If a woman has a clean driving record and is 25 years old, her car insurance rates should start to go down around that age. Car insurance companies think that teenagers and young drivers are more likely to get into an accident than adults, so they usually charge them more to insure them.

What do I need to get a quote for car insurance?

It can take a lot of time to get multiple quotes from car insurance companies, but it’s important to do so so you can see all your options before making a decision. To make it easier, be ready to give the names, birthdays, and driver’s license numbers of all the drivers who need to be on the policy, as well as the year, make, model, and vehicle identification number (VIN) of the cars you want to insure. You can also speed up the process if you know what kinds of coverage and limits you want. If you’re not sure, an insurance agent can help you find a policy that fits your needs.

Who pays more for car insurance, male or female drivers?

Most of the time, men pay more than women for car insurance. Women are usually safer drivers than men because they drive less and get into fewer accidents. This makes them less risky to insure, which means their rates are lower. But a woman with a driving record that includes accidents will usually pay more than a man with a clean record.

Who has quotes for cheap car insurance for women drivers?

Out of the four biggest national insurance companies, we found that State Farm has the best rates for women drivers. But a local or regional insurer may be able to give you a better deal. Shop around to find the best prices.

Who pays more for car insurance: women who are single or women who are married?

Auto insurance costs more for single women, but only by a small amount. The rates for our single 32-year-old driver were only 2% higher than the rates for our married 32-year-old driver. No matter if you’re married or single, the best way to keep your rates low is to drive safely and get more than one quote.

At what age does insurance for women drivers start to go down?

There is no age at which women’s auto insurance magically or suddenly goes down. When you are a teenager and just starting to drive, your rates will be the highest. As you get older, they will slowly go down. Even though your rates will go down when you turn 25, ValuePenguin found that they go down the most at 19 (16 percent) and 21 (13 percent) (a 17 percent decrease).

How do I find the cheapest auto insurance?

The best way to find a good deal on car insurance is to get quotes from more than one company. That’s the only way to find out what companies will charge and which ones will offer the best prices.

Bundling auto insurance with another policy, like homeowners’ or renters’ insurance, is another good way to save money. When you buy multiple policies from the same company, you usually get a good discount.

What discounts on car insurance should I look for?

Airbags and other safety equipment for cars are easy to get for less. If you need more than one type of insurance, make sure to buy them all from the same company to save money.

Discounts on car insurance for being a good driver are common. If your teen or young adult driver is a good student, you may be able to get a discount. And you might be able to get a small discount for things you would do anyway, like getting your insurance bills and policies electronically instead of on paper.

What kinds of auto insurance do you need?

Except for New Hampshire and Virginia, most states require you to have liability auto insurance to pay for damage and injuries you cause to other people.

Many states also require coverage for drivers who don’t have insurance. This does not help other drivers. It pays for your and your passenger’s medical bills if you get hit by someone who doesn’t have car insurance or doesn’t have enough.

And states with a “no-fault” car insurance system require car owners to buy “personal injury protection” (PIP). No matter who caused the accident, PIP will pay for your medical bills.

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