Higher insurance for female drivers

The law that allows car insurance companies to over-ride sexual discrimination legislation and charge lower premiums for women drivers is due to end in December 2012 leading, almost certainly, to higher insurance premiums for women drivers. Some women – particularly those in the 17-25 age bracket - can expect their premiums to increase by up to 25% on their next renewal date. These, of course, are the drivers who already find themselves paying the highest premiums for car insurance.

Until now, insurers have been permitted to charge lower premiums for women on the basis that they are statistically safer drivers. After December, this can no longer apply and women will need to find alternative ways of reducing insurance premiums.

Industry experts are already suggesting that the way forward for women drivers – particularly those under 30 – will be to prove to insurers that they are safer drivers by other means. And the most obvious “other means” will be the installation of TeenTrack style black boxes.

The black box doesn’t know who is driving the car – male or female – and will simply report on the standard of driving. Better standards of driving – irrespective of gender - will be taken into account by insurers in assessing premiums. TeenTrack will, from now on, recommend the installation of black boxes to most young female drivers, to ensure the lowest premiums possible.

It therefore seems that, especially for young female drivers, it is more important than ever to be able to show insurers that their driving standards warrant lower insurance premiums – and TeenTrack can provide you with the advice to show just that!!

Click here for advice on black box insurance

Cheap car insurance is not a reality for most young drivers

According to research, young drivers are spending around 18% of their full time salary on car insurance.


The average price for male drivers is £3,635, whereas insurance for females is a less eye-watering £1,869.  However, despite the high price of car insurance, the reasearch has actually found that cover for younger drivers has been driven down over the past year.


But until young drivers show a history of safe driving, they are always going to be a more high risk option for insurance companies and therefore will be forced to pay higher premiums.


Young people are a higher risk for a number of reasons including, less experience, less able to react to unfamiliar road situations and the distance they travel. 


 The popularity of pay-as-you-drive insurance is becoming more popular as young people are using them in order to pay less for their car insurance. 

So what is the best advice for young people.  Choose a cheap car to insure.  Find out the insurance costs before buying the car.

Have a look at pay-as-you-drive insurance as one way of lowering your car insurance.

Do you have any questions?  We will always try to help. Add your comments below and join the debate.

This site is designed to give you the most up-to-date information regarding driving on Britain's roads. We have already researched how to choose driving instructors, the cheapest cars to insure and have looked closely at pay-as-you-drive insurance.

For those unfamiliar with the term, it is anticipated that this is the way young drivers will be insured in the next few years. Also known as black box insurance or telematics, insurers will be able to give a premium depending on how you drive. This will mean that if you are a good, safe driver you will pay less insurance, rather than being stereotyped as a young dangerous driver.

This is great news for the vast majority of young drivers on the roads today. Cheaper car insurance for safer drivers!!

So, what next?

Explore our site, tell your friends, add comments telling us how we are doing, join the debate, ask questions, we will always try to help.

The Teentrack Team

Get a cheap car insurance quote now.