Why Car Insurance For A Woman Is Less Expensive

It’s a fact, all other things being equal, car insurance for a woman, is less expensive than for a man.  And there’s a justifiable reason for it:  Women are safer drivers.  Analysis of a yearly survey of police reports has shown that, per 100 licensed drivers, men drivers are involved in a reportable accident almost twice as often as women drivers, within each age group.

So, what that means, despite claims to the contrary and disparaging murmurings of “Women drivers,” women are statistically less risky, i.e. safer, drivers than their male counterparts.  Why this might be so, is anyone’s guess.  It’s been variously attributed to women being the “gentler” sex, more cautious, maternalistic, calmer, etc.  All or none of these may apply to any particular female, it’s very individualistic.

From an insurance standpoint, though, insurance rates for women are lower because of several factors:

·                     Women drive less than their male counters; they spend less time behind the wheel, and they put less mileage on their car annually.

·                     Women are involved in half as many accidents as men, and the majority of those accidents are committed at lower speeds and result in less property damage or bodily harm.

·                     Women drivers commit far fewer crimes involving a car, than do their male counterparts.

·                     Women tend to drive at lower speeds, and obey vehicular laws.

·                     Women typically pass their driving licensing examinations, both written and practical, on the first attempt, whereas fewer of their male counterparts succeed the first time.

Does that imply that women are perfect?  Close.  But as it relates to driving, no, women have their little foibles just as men do.  Many stay-at-home moms who get behind the wheel of their mini-van find themselves in minor accidents, but these accidents can usually be attributed directly to distraction from the vehicle’s occupants.  Unfortunately, there is also an alarming increase in the number of women drivers who have become as aggressive as the boys, and engage in such risky actions as tailgating, speeding and improper overtaking.

It is very likely that, in the not too distant future, the disparity between the car insurance rates for men and car insurance rates for women will narrow significantly.  No doubt, it will be attributed to a noticeable, statistically verifiable upward trend of women spending more time behind the wheel; driving for longer periods of time and over longer distances than previously seen.