Gender & Car Insurance

The age old argument on the motorways continues to rumble on. For years men and women have jousted over claims that they are the better drivers, but what is the truth? The reality is that it is very difficult to find conclusive evidence to back up either argument, but car insurance providers appear to use gender as a clear divide. Statistics and data suggest that younger males are more likely to be involved in a car accident than females of the same age.

Evidence suggests that young male drivers are more aggressive on the road than women, and are more reactive than proactive. It is this kind of behaviour that allows car insurance providers to offer reduced UK car insurance premiums for women. Dedicated women's car insurance providers tailor their insurance policies to women’s driving needs – be it personal handbag cover or an association to a recommended garage network.

Although young male drivers are right to worry about the increasing gender gap, there is light at the end of the tunnel. Government-funded initiatives such as the Pass Plus scheme can help car insurers to build confidence in newly qualified drivers. Irrespective of gender, men and women can benefit from building up a no-claims discount as well as owning a clean driving licence.

Don't let gender get in the way of finding a competitive car insurance quote.