Can Women Get Cheaper Car Insurance? 
This is a rather ambiguous question because I am wondering as compared to whom ? I will assume that you mean as compared to a male of similar race and gender . Briefly , please do not take this answer as being racist or sexist , but premiums are based upon loss ratios , which are the results of actuarial studies based upon region , gender , race , age , and a million other details . Typically , women pay a slightly higher premium just because statistically more women make claims then men . Now this might be because more women are driving -LRB- i.e. more numerous claims -RRB- or because men drive more aggressively -LRB- i.e. causing more accidents -RRB- . Now , with this being said , women can shop around to obtain a cheaper premium . Moreover , women can take defensive driving courses and carry more liability insurance to obtain discounts at a later date . If a woman maximizes her discounts then her premium will be negligibly higher than a male of the same age and race . Sorry for the unfair answer . 