Car insurance for young female drivers

Girls are safer, statistically

We know that, statistically, you’re probably a safer driver than your male friends.

Unfortunately, since the European Court of Justice decided that charging girls less than boys for their car insurance was unfair, insurers haven’t been able to reward them with automatically lower premiums.

Girls actually crash more

Huh? I thought they were safer? Well, they do actually crash more but those crashes are much more likely to be small incidents with minor claims - reversing into a bollard, say - compared with the more serious crashes that young male drivers are more likely to have, which cost insurers far more.

 

Fair insurance that treats you as an individual

Luckily, with black box insurance, we can treat you as an individual based on how you actually drive. So although your starting price is worked out in the same way as a boy’s, you’ll have the chance to earn up to 21% off over the year for your good driving.

 
ingenie driver Hanna
I am a safe driver and I am getting money back from being one. Last year I got a £338 total discount and my insurance dropped by more than £1,000 when I renewed. Being a student, excuse the cliché, every little helps!

Hanna, 19
ingenie driver

 

How young female drivers can save money on their insurance

  1. Choose your car carefully

    There are so many great cars in low insurance groups, and they’re usually the best choice for a young female driver anyway as they’re more affordable to fuel, tax and maintain. Check out our top cars in insurance group 1 to get some ideas.

    Picking the right car can make a big difference to how much you pay for your insurance. Take a look at our top 10 cars, a list of the most popular cars in the ingenie community.

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  2. Go for black box insurance

    Good drivers deserve to pay less for their insurance. The only way you can prove you’re a good driver is with black box insurance, which can save you up to an extra 21% off your starting price with ingenie.

    We give you the chance to earn your discounts 3 times a year, so you could get the rewards of good driving after just 3 months. We don’t make it hard with curfews and mileage restrictions - all you have to do is drive well and you’ll pay less.

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  3. Think of your no claims discount

    There’s a lot of evidence to suggest that women are safer drivers than men, but they do have more small incidents - like denting a bumper every now and then.

    Sadly, those ‘small’ crashes will still cost you your no claims discount if you make a claim, so it’s really important to pay close attention when parking in particular.

    Your no claims discount can save you a lot of money over the years so guard it with your life. 91% of ingenie drivers get their no claims discount at the end of their first year with us, so work on the feedback we send you and watch out for bollards.

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Most popular cars for young female drivers

 
  1. Vauxhall Corsa
  2. Ford KA
  3. Renault Clio
  4. Ford Fiesta
  5. Peugeot 206
  6. Volkswagen Polo
  7. Fiat Punto
  8. Nissan Micra
  9. Toyota Yaris
  10. Citroen C1
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