Males like to complain about those "women drivers" out there on the roads, but ladies, the statistics are in our favor, for now anyway. Let the guys say what they want, but our Car Insurance rates reflect that facts. Women are safer drivers then men.
Insurance rates are complicated things. They are based on a number of factors. Your age, marital status, location, driving record, the type of car you drive, and your gender can affect your rates. Car Insurance for Women, especially in the younger age brackets, generally is cheaper. Statistically men are more likely to be involved in accidents, especially those involving fatalities, and they are more likely to receive tickets for moving violations. These factors increase the risk for the insurance company which translates into higher rates for the men.
We may have the upper hand for Cheap Car Insurance now, but don't count on it forever. The statistics also show that the gap between men and women is closing. While statistics on risky driving behaviors have held steady for men, they are increasing for women. ( And Women are Paying the Insurance Rates to Prove It. ) The insurance rates follow the statistics.
Male or female, if you own a car, you have to buy insurance. Our rates are not horrible now, but I do not look forward to the day when we have to add our young male driver to the policy. The premium will surely take a huge jump. At least there are a few years between adding him and the next child.
So, be sure to correct the next guy you hear complaining about women drivers. They are the ones who statistics show to be reckless, and dangerous. Women are the safer drivers!