Best Car Insurance for Women [2025] | FinanceBuzz

Shopping for car insurance can feel like a chore. But if you're a woman, there's some good news: You could save money on an auto policy. On average, car insurance for women tends to be slightly less expensive than it is for men, and that's true for both full coverage and liability-only policies.

I found that Mile Auto, USAA, and State Farm offer some of the best car insurance deals for women. Not only do these companies have overall competitive rates, but they also stand out for perks such as special discount opportunities and good service.

Of course, your gender isn't the only factor determining your premiums. As you shop for coverage, you'll likely find that rates vary by company, so it pays to shop around and compare your insurance options.

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Best car insurance for women

Company name	Best/Excellent for	Average monthly full coverage cost for women	Average monthly liability-only cost for women
Mile Auto	Pay-per-mile coverage	$94	$59
USAA	Veterans and service members	$94	$47
State Farm	Customer satisfaction	$110	$52
Allstate	Extra coverage types	$126	$63
American Family	Discount programs	$144	$72
Data provided by Insurify

Mile Auto

Best pay-per-mile coverage

Company details

AM Best: Not rated
J.D. Power claims satisfaction: Not ranked
BBB: Not rated
NAIC complaints: Not available

Women typically drive fewer miles than men. In fact, the Federal Highway Administration reported that women drive about 10,000 miles per year, while men cover an average of 16,500. As a result, getting pay-per-mile coverage through a company like Mile Auto can make sense.

Mile Auto bases your premiums on how many miles you actually drive, and those who drive fewer than average miles can slash their premiums by 30% to 40%.

However, Mile Auto is available in only a few states. As of 2025, residents of Arizona, Florida, Georgia, Ohio, Oregon, Tennessee, and Texas are eligible.

Plus, customer reviews are mixed. On TrustPilot, the company has a TrustScore of 3 out of 5 based on about 200 reviews, with several customers saying they have issues contacting customer support, filing claims, or reporting mileage.

Pros

Significantly lower-than-average premiums
Offers optional coverages, including roadside assistance and rental reimbursement
Doesn't require a plug-in device

Cons

Not available in all 50 states
Mixed customer reviews on TrustPilot
Provides few details online

USAA

Best for veterans and service members

Company details

AM Best: A++
J.D. Power claims satisfaction: 726/1,000 (study average 697)
BBB: A+
NAIC complaints: 1.31 (Private Passenger)

According to the U.S. Department of Defense, women made up nearly 18% of the active-duty force in 2023, up from 16% in 2017.

If you are a woman serving in the military or are a veteran, consider getting coverage through USAA, which offers significantly lower rates than most companies. Service members can also qualify for extra benefits, including savings for those living on a military base or those who keep their cars in storage.

However, coverage is available only to qualifying members. If you aren't a veteran, service member, qualifying federal agency employee, or the family member of a qualifying person, you aren't eligible.

Pros

Cheaper-than-average rates
Extra perks for military service members
Strong customer satisfaction ratings

Cons

Limited eligibility for membership
Fewer discount programs than some competitors

Learn more in our USAA review.

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GEICO

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Drivers who switch their auto insurance and save with State Farm save $764 on average!

State Farm

Best for customer satisfaction

Company details

AM Best: A++
J.D. Power claims satisfaction: 710/1,000 (study average 697)
BBB: F
NAIC complaints: 0.84 (Private Passenger)

State Farm is the largest writer of private passenger car insurance in the country. Despite its huge size, it stands out for its high customer service ratings.

J.D. Power placed the company sixth out of 21 insurance companies in its 2024 U.S. Auto Claims Satisfaction Study. It also scored highly in the J.D. Power 2024 U.S. Insurance Digital Experience Study, highlighting the usefulness of its digital purchasing tools and mobile app for managing your policy.

If you prefer to establish a relationship with an agent and contact someone you know with questions, State Farm has a huge agent network, so you can likely find someone near you.

While State Farm is a huge insurer, it doesn't issue auto policies in all states. You can't buy coverage if you're a resident of Massachusetts or Rhode Island.

Pros

Offers many discount programs
Excellent customer satisfaction ratings
Large network of agents

Cons

Not available in all 50 states
Doesn't offer GAP coverage
Poor BBB rating

Learn more in our State Farm review.

Allstate

Best for extra coverage types

Company details

AM Best: A+
J.D. Power claims satisfaction: 691/1,000 (study average 697)
BBB: A+
NAIC complaints: 1.02 (Private Passenger)

Allstate has several coverage add-ons that can be beneficial for those who want to protect a new vehicle or have a side gig.

Approximately 20% of rideshare drivers — such as those who drive for services like Uber or Lyft — are women, according to Gridwise. While these services provide insurance while a customer is in your car, you'll likely need additional coverage to protect you and your vehicle while you're working. Not all companies offer rideshare insurance, but Allstate allows you to add "Ride for Hire" coverage to an existing auto policy.

Plus, Allstate has GAP protection — a beneficial option if you're leasing or financing a newer car — as well as several vehicle protection plans that can keep your car looking new longer.

Pros

Offers rideshare insurance
Sells GAP and vehicle protection options
Offers diverse discount programs

Cons

Slightly below-average customer satisfaction rating
Only offers coverage in six-month terms

Learn more in our Allstate review.

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American Family

Best for discount programs

Company details

AM Best: A
J.D. Power claims satisfaction ranking: 692/1,000 (study average 697)
BBB: A+
NAIC complaints: 0.26 (Private Passenger)

American Family boasts cheaper-than-average rates, and drivers can save even more with the company's robust discount programs. With American Family, you could qualify for loyalty, low-mileage, and autopay discounts, and more.

Besides standard coverage options like liability, collision, and comprehensive insurance, American Family has some useful add-ons, such as GAP insurance and accidental death and dismemberment coverage.

However, the insurer doesn't issue car insurance policies nationwide; currently, it's available in just 19 states. Plus, it has a relatively small agent network of just 1,700 agents (to put that in perspective, State Farm, the largest writer of private passenger insurance in the U.S., has over 19,000 agents).

Pros

Cheaper-than-average rates
Broad range of discounts
Sells GAP insurance

Cons

Not available in all 50 states
Slightly below-average customer satisfaction rating
Relatively small agent network

Learn more in our American Family review.

What factors affect women's car insurance rates?

Insurance companies usually consider several variables when setting car insurance premiums, including your driving record, location, vehicle make and model, and in some states — credit score and gender.

Typically, women pay less for car insurance than men, but why does gender play a role? There are several key reasons, including:

Likelihood of accidents: Statistically, women tend to be in fewer accidents than men. As a result, they're less likely to submit a claim, resulting in lower premiums.
Incidence rates of driving infractions: According to the National Highway Traffic Safety Administration, men were four times as likely to be involved in an alcohol-impaired driving incident than women in 2022. The Insurance Institute for Highway Safety also found that women were less likely to speed or drive aggressively.
Mileage: On average, women drive about 10,000 miles per year — about 39% less than men drive. Less time on the road means the driver is less likely to be in an accident, reducing the risk of claims.

Does gender affect car insurance rates in all states?

Historically, insurance companies used gender as one of the factors considered during the underwriting process. However, that's no longer the case in all states.

As of 2025, there are seven states — California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania — that prohibit the use of gender as a rating factor. In these states, insurance companies weigh other information more heavily, such as your driving history, claims record, location, and typical vehicle use.

How to save on car insurance for women

As a woman looking to save on car insurance, you can try these tips to reduce your premiums:

Sign up for pay-per-mile or usage-based insurance (UBI): Since women tend to drive fewer miles per year and drive more safely than men, you might save money by signing up for a pay-per-mile or UBI policy. While pay-per-mile programs base your premiums on how many miles you drive per month, UBI programs also consider how safely you drive. Those who cover fewer miles or practice responsible driving habits might save hundreds.
Take a safe driving course: Some insurance companies give drivers a discount if they complete a qualifying safe driving or defensive driving course. Not only do these courses teach you how to recognize risks and avoid accidents, but you may also get an automatic premium discount.
Adjust your coverage: If you drive an older or high-mileage car, you may not need optional coverages like collision or comprehensive insurance. Dropping these coverages or raising your deductibles could help you save on car insurance.
Bundle your coverage: If you own a home (single women are more likely to be homeowners than men), you may be eligible for a discount for bundling your homeowners insurance policy with your auto coverage. You may also qualify for other discounts, like paid-in-full or accident-free discounts.
Comparison shop: Insurance companies have their own formulas for setting rates, so you may find one insurer offers substantially lower rates than other companies.

FAQs

Is car insurance cheaper for a woman?

In general, women pay slightly less for insurance than men. According to Insurify, on average, women pay $102 per month for liability insurance and $186 per month for full coverage insurance. Men pay $109 per month for liability insurance and $199 per month for full coverage, on average.

Be aware, however, that non-gender-related factors also affect your rates.

How much is car insurance for a female?

Individual rates vary widely based on a range of factors, but in general, women pay an average of roughly $2,250 per year for full coverage policies and around $1,200 per year for liability-only coverage, based on recent data from Insurify.

At what age do women's car insurance premiums go down?

Like men, women tend to pay more for car insurance when they're in their teens and 20s. Once you reach the age of 30, your premiums usually decrease until they rise again in your 70s.

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Bottom line

On average, car insurance for women is slightly less expensive than it is for men. But you could save even more if you sign up for a pay-per-mile or UBI policy, enroll in discount programs, and shop around for coverage. Consider our list of five car insurance companies as a place to start.

At least once a year, it's a good idea to get quotes from the best car insurance companies to ensure you're not overpaying for coverage.

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