A persons age and gender along with certain other factors, is what the insurance industry uses to determine the premium for insurance. This practice has resulted in those in higher risk categories, as defined by the industry, to pay more for their inusrance coverage. It was always believed that women had to pay more for insurance because men are better drivers. However, this perception may not necessarily be the cause of more expensive car insurance for women.

This misconception is largely a fabled part of the past because of recent studies that have shown women drivers are just as responsible and safe as men drivers.

The cliché that women are not as good drivers as men has led some people to believe that car insurance for women is more expensive. Actually a recent Carnegie-Mellon investigation revealed quite a different result concerning the controversy of men vs. women drivers. This study concluded that men are two times more likely to be involved in a traffic fatality than women.

While in another independent study, almost 65% of men had no traffic citations, while the figure for women was almost 70%. An additional result of the study was the amount of multiple violations. The question revealed that men have received multiple citations 10% more often than women.

There are car insurance companies that have special programs catering specifically to car insurance for women. This increases the opportunity that women will pay a lower premium than men. By setting up special programs, these companies are becoming more viable in providing car insurance for women.

Regardless of the popular opinion being car insurance for women is more costly, through research and practical studies, the insurance industry has determined the riskiest of drivers are the 18-25 year old male population. Insurance websites offer a free easy online quote to allow consumers to compare their rates against other drivers. A comparative quote will show the real difference in premiums and lay to rest the myth that car insurance for women is higher.

In spite of the fact many may believe men are better drivers than women, the insurers writing the policies do not subscribe to this theory. Although insurance providers use demographics and gender as a consideration, the mere fact that one is a man or woman is only one factor in determining the amount of that person’s premium.

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