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Older women charged more for car insurance

Insurance hiked by over £80 for older women

Road Hazard

60-year-old women are charged up to £80 more than men for their car insurance, according to research from Which?.

Older women drivers are paying more for car insurance than their male counterparts. All of the 5 big name premium providers we looked at charged more for a 60-year-old woman than for a 60-year-old man – even though their details were identical. The quotes varied from a 1% increase for the female quote from Privilege to a hike of 28% from Admiral.

We used a comparison site to get quotes for two drivers with the same car, same no-claims history and same driving experience – the only difference was the name and title: a ‘Mr’ and a ‘Miss’. 

Biggest hikes

Admiral quoted £368.75 for a single 60-year-old woman to insure her 1.6L Ford Mondeo – £80.85 more than the quote for a man with identical details.

The next largest differences in costs between were from Swiftcover and Churchill, which quoted the ‘Miss’ an extra £43.01 and £39.90 respectively.

Only Privilege quoted a similar figure for the two drivers, with the woman being asked to pay £307.65 – £4.20 more than her male counterpart. More Than topped up the fee by £18.01 for the woman.

How it works

While women may think they pay less for insurance, the reverse is true as they get older. A spokesperson from Admiral said: ‘Gender is one of the factors that has an influence on the premium we offer. The difference is correct based on our estimates of the level of risk the two customers would represent to us as an insurer.’

Provided they stick to other criteria set out in the Equality Act (2010), insurance providers can treat men and women differently. 

Shop around for car insurance

Which? insurance expert Dan Moore said: Younger women are generally quoted a lower premium than men, because they have fewer expensive crashes, but this changes as motorists get older. However, as our results show, the differences can be marginal or significant, so shop around.’

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