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It is almost certain that you have heard the phrase “women drivers”. You might be among those who typically have said it at least once. Men often use this phrase for instance when they get stuck behind a women driver. The truth is far from that. Actually, the insurance companies come to prove us that women are considered better drivers than men, offering them lower car insurance premiums. Next time you are going to consider saying some sexist phrase, think twice; Why is Car Insurance Cheaper for Women? So why do insurance providers typically offer women cheaper car insurance?

Statistics show that only 20% of car claims that are serious are women’s fault. Statistics like this mean that the women driver is the safer on the road which leads to typical cheaper premiums. Of course, since insurance companies check and double check everything before deciding who is the most capable driver and who deserves better rates, the fact that women do get lower prices means something. What? The opposite of what men think. Women can drive and they drive better than men.

However that is not to say that women do not have accident, just that the accidents they typically have are minor ones. Men tend to cause or get involved in more serious events and usually in the 90% of fatal accidents. Moreover, men are more prone to auto crimes than women and break the law more often than women do. By default, men get more tickets than women while driving. A funny fact is that in general women get their driver’s license much faster than men, passing their exams on the first attempt.

Since women are typically not considered drivers of high risk - generally speaking of course – the majority of car insurance companies offer them cheaper quotes than to male drivers. As women are generally offered cheaper insurance quotes there are anything but the weaker of the two sexes. Women are typically offered better premiums because they deserve them and because the statistics stand by them.

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