Statistics show that women drivers are involved in less serious accidents compared to other drivers, so in many caeses as a group, often lower premiums are offered. There are now insurers who specialise in women drivers only.
Some companies offer insurance at lower premiums for specific groups less likely to have an accident, like women, who make less claims. Your premium is almost alway calculated on a risk factor.
If you have previously been banned or currently have lots of penalty points you can still get insurance but most likely at a higher rate.
