Car Insurance for Young Female Drivers

Car insurance for young female drivers is 14 percent lower than for young males on average. It's possible to find cheap car insurance for young female drivers by shopping around and by keeping a clean driving record. Although car insurance rates are high for young female drivers, they will drop as you get older and level off by age 25.

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UPDATED: Jun 2, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 2, 2022Fact Checked

Here's what you need to know...

  • Young female drivers have cheaper auto insurance rates than young male drivers
  • Avoid getting traffic tickets and accidents to help decrease insurance costs
  • Renew your car insurance policies online in an effort to reduce time and energy

Owning a vehicle comes with several large costs that can add up for young drivers. Car insurance for young female drivers can be one of the bigger costs.

From age to gender, there are different things that can impact your car insurance rateAdditionally, your driving record for accidents or traffic tickets also factors in. 

Any driver under 25 will discover that car insurance rates for teens and young drivers are high. It’s hard to find cheap car insurance for young drivers, but shopping around is your best bet.

Find affordable car insurance for young female drivers now. Get quotes by entering your ZIP code now to compare car insurance rates for young female drivers.

Getting the Best Rates on Car Insurance for Young Female Drivers

The good news for this demographic is that the average cost of auto insurance is less than it is for males. Take a look at the average rates below.

Average Monthly Teen Driver Car Insurance Rates by Age and Gender
Driver's AgeAverage Monthly Rates for Male DriversAverage Monthly Rates for Female Drivers
19 years old$181$189
18 years old$260$242
17 years old$322$304
16 years old$351$328
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There are a few different things that you may want to do in order to get the cheapest rate.

The first thing to do is get an idea of what you will be offered based on your driving record.

Traffic tickets should be avoided at all costs because they impact your insurance premiums. Not that you can evade one if it has already happened, but auto insurance companies will typically raise your rates if your history on the road is less than desirable.

Car accidents are even more costly because you have to repair your vehicle and may even need to invest in a new one. According to the Insurance Information Institute, young drivers have high fatal crash rates, raising insurance rates.

A few other things that can impact your car insurance rates include the type of vehicle that you are driving and any additional features installed in your car for the purpose of ensuring security and safety.

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Finding Car Insurance for Young Female Drivers Online

One of the best places to find car insurance is the internet. Cheap car insurance for young drivers can be hard to find, but you should still look for the lowest rate.

The internet provides plenty of information on the best rates available and information on different policies, required rates, and information about price differences for different types of cars.

Many teenage drivers and young adults behind the wheel think that there is no point in trying to find better rates.

However, you can find cheaper rates than you’re already paying, simply by doing a little research on the internet.

Car Insurance Requirements for Young Female Drivers

There are a few different components that go into your automobile policy.

The first is liability.

You need to carry bodily liability insurance — not for yourself but for the other passengers who may be in your vehicle and for the people in other vehicles who could get injured in an accident.

Another type of liability that you are required to carry is property in case something ends up damaged besides the vehicle, such as a fence or a road sign, as a result of an automobile accident.

There are a few things that you should look into getting in order to have better coverage on yourself, such as:

  • Rental reimbursement for yourself in case you end up needing to rent a car if yours breaks down
  • Towing coverage for when a car breaks down and may also need to be towed
  • GAP insurance if you buy a vehicle and total it before you can pay off the difference between your loan amount and the value of your car

In order to get affordable rates, you must evaluate all your options, and do this on a regular basis. As a young female driver, car insurance will cost you more now than it will over the rest of your life.

Renewing Your Insurance Online

You need to make certain that you get your car insurance renewed on a regular basis to keep yourself and your vehicle protected from fines for not carrying insurance or for accidents you may have while not carrying your insurance policy.

It makes sense to try to renew your policy through the internet for a few reasons:

  • You can avoid having paperwork sent to you by doing everything through the internet
  • You can renew your insurance anywhere whether you’re online from a hotel or even a laptop on a plane ride
  • You can also make certain that your information is sent securely through the internet

Get the best car insurance for young female drivers right now. Enter your ZIP code to compare car insurance quotes for young female drivers today.


Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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