Since the 2012 "Gender Directive" ruling by the European Court of Justice, it has been illegal for insurers in the EU to use gender as a factor in calculating premiums.
The legality of gender-based car insurance varies significantly by jurisdiction:
Even in regions where gender is not a factor, several metrics influence the "lady car insurance" market: lady car insurance
Specialized brands like MissQuote.ie still focus on the female market, though they now typically reward demonstrated safe driving habits (like completing lessons or passing tests) rather than gender alone. Key Cost Drivers for Female Drivers
Historically, insurance companies offered lower premiums to women based on several key risk factors identified in long-term studies: Since the 2012 "Gender Directive" ruling by the
Statistically, women are involved in fewer high-speed, severe collisions.
Data often shows that men are more likely to engage in risky behaviors such as speeding or driving under the influence. Data often shows that men are more likely
Safe driving remains the most effective way to reduce premiums.