A woman typically pays less for car insurance than a man does, according to DMV.org. This is due to the fact that women are less likely to be in auto accidents and don't normally drive as many miles as men or commit as many moving violations.
Additionally, statistics show that women are less likely to buy cars that are expensive to insure, notes DMV.org. This results in cheaper car insurance, as insurance companies base the cost of insurance on calculated risk. Calculated risk is simply an estimate concerning how likely a person is to be in an auto accident. However, regardless of gender, any person involved in numerous accidents or moving violations typically pays a higher premium.